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All transactions licensed by the supplementary cardholder previous to the date the supplementary card is acquired by the Bank, are valid and treated as binding upon the primary cardholder and are the legal responsibility of the first cardholder. The Bank shall deliver a Statement of Account to the Cardholder every month or at such different common intervals as deemed match by the Bank. If the Cardholder doesn’t obtain the Statement of Account for the particular Statement Period, s/he ought to notify the Bank inside 7 days of the statement date and request a replica of the Statement of Account for the Particular Statement period. Non-receipt of Statement of Account shall not be construed by the Cardholder to be adequate for non-payment of dues in time. The Bank cannot be held answerable for non-receipt of assertion because of unforeseen circumstances and circumstances outdoors the Bank’s management.

The Cardholder undertakes to signal such further document as may be requested by the Bank once in a while to offer impact to such assignment and switch. Information may be processed for the needs of complying with relevant laws, together with anti-money laundering and anti-terrorism laws and rules and fighting crime and terrorism. This might require the disclosure of knowledge to a Bangladeshi or overseas governmental or regulatory authorities or to any other person we moderately assume needed for these functions.

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Payments made by the cheques drawn on a location where the Bank does not have a department will be subject to a processing and handling payment as decided by the Bank once in a while. « Late Payment Fee » means a cost applicable in case of the Cardholder’s failure to pay no much less than minimum amount due throughout the Payment Due Date. « Insurance Company » means insurance coverage company as may be decided by BRAC Bank Limited, once in a while.

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Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such changes shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints shall be resolved as per the policy of respective fee network (Visa/ Mastercard) and the decision of the cost community shall be thought of as ultimate. The Bank cannot be held answerable for setting claims emanating from this scheme or for the approval or rejection of any declare. If you fail to inform BRAC Bank inside 120 days of purchasing the product/service; the Bank will not be held liable to entertain the criticism. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and switch the whole or any part of its rights of obligations under this Agreement.

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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 bill. This process would require PIN verification. The Cardholder may select to not settle the present stability in full, in which case the cardholder should pay no much 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 connection with the special discounts/offers made by the respective Merchants, the Bank will not be held accountable where any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the best to change the advantages obtainable to Cardholders at any time without prior discover. In reference to the particular discounts/offers made by the respective Merchants, the Bank does not maintain out any guarantee or make any representation of the delivery, high quality, design, specifications or in any other case set out in respect of those provides. Also, these products/services are topic to availability and might be allocated on a primary come, first server foundation.

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Once a Balance Transfer has been made, the customer has to continue the stability transfer quantity for at least 6 months with BRAC Bank i.e., the shopper can not transfer the stability to any other financial institution throughout the specified time frame. Cardholder can settle partial or full excellent of other financial institution’s credit card through Balance Transfer. The Bank shall not be liable to refund the annual fee or any half thereof in case of the termination of the card account.

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The payment will be mirrored throughout the same day of instruction. The supplementary cardholder is bound by all Terms and Conditions besides that he or she just isn’t liable for fee in respect of any transactions on the cardboard account. The primary cardholder will be responsible to the Bank for all transactions on the supplementary card. The use of the Card by the cardholder to obtain a Cash Advance shall be deemed to represent the Agreement of the Cardholder to pay a money advance payment and finance charge as decided by the Bank from time to time on the amount of cash advance. Finance cost shall be levied on every Cash Advance from the date of the advance until repayment is made in full.

The Supplementary Cardholder must be of 18 years of age or over. The problem of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank could deem needed. The fee by the Cardholder of any sum to the Bank in respect of any Statement of Account shall represent binding and conclusive proof of the acceptance by the Cardholder of the entries proven on that Statement of Account.

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