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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number will be issued to him/her. In the event the same just isn’t obtained in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the only accountability for use, confidentiality and safety of the PIN, in addition to for all orders and information adjustments entered into the Card Account using such PIN.

Thanksgiving, bear in mind the extra layer of occasions and motion occurring in that a part of the positioning. The full schedule of matches for the primary 4 days are as follows, black and white character. The Bank may once in a while change the terms and circumstances of this Agreement. Cardholder hereby authorizes the Bank to change the terms and circumstances of this Agreement with out prior consent of the Cardholder.

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If the disputed Card Transaction turns out to be real, the Cardholder shall pay the amount set out in the relevant Card Transaction along with any charges incurred by the Bank in the investigation of such disputed Card Transaction. Payments might be treated as made from the date on which the funds are actually obtained by the Bank in the strange course of business and not from the posting date on the Statement. At least 3-4 days ought to be allowed for the payment to be credited to the Card Account. If the Cardholder pays an quantity lower than the current balance of a specific month’s invoice assertion by the payment due date, curiosity might be accrued on the balance remaining after the Payment Due Date and might be posted within the subsequent assertion.

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If cardholder has account with BRAC Bank, s/he can dial BRAC Bank call center at and provides instruction of debiting cardholder’s BRAC Bank current/savings account to pay bank card invoice. This course of would require PIN verification. The Cardholder may select not to settle the present stability in full, during which case the cardholder should pay no less than ‘Minimum Amount Due’ as determined by the Bank every so often on or before the cost due date.

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In case any supply date just isn’t specified on the time of purchasing and the web service provider fails to deliver the product/service; then notify BRAC Bank after 30 days but inside 120 days of the transaction date. The Bank shall not be liable for non-delivery or delayed supply of alerts, error, loss or distortion in transmission of alerts to the Cardholders. For cost by way of Cash Deposit Machine , money deposits acquired within the ‘envelope assortment time’ as indicated on the machine shall be considered and processed on the identical banking day. Processing of cheque deposits shall be topic to cheque clearing hold.

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The payment shall be reflected throughout the same day of instruction. The supplementary cardholder is certain by all Terms and Conditions except that he or she just isn’t liable for cost in respect of any transactions on the cardboard account. The main cardholder will be accountable to the Bank for all transactions on the supplementary card. The use of the Card by the cardholder to acquire a Cash Advance shall be deemed to represent the Agreement of the Cardholder to pay a cash advance fee and finance charge as determined by the Bank from time to time on the amount of money advance. Finance charge shall be levied on each Cash Advance from the date of the advance till repayment is made in full.

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The Bank reserves the best not to enable worldwide Transactions up to full limit assigned for SAARC countries & Myanmar and Non-SAARC nations in order that the Limits are not exceeded within the occasion of trade fee fluctuations or any unauthorized transactions. The Card is not transferrable and its usage is topic to the terms talked about herein and any further situations stipulated by BRAC Bank Limited every so often. The Cardholder under no circumstances in any respect will allow the Card and/or PIN and/or CVC/CVV and/or OTP for use by any other individual. The Cardholder could not pledge the Card as Security for any objective in any way. BRAC Bank Limited reserves the best to establish the credit worthiness of the Applicant time to time by obtaining credit bureau report and such different stories as it may deem necessary and decline to issue a Card to any Applicant at its sole discretion.

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