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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 might be resolved as per the coverage of respective cost network (Visa/ Mastercard) and the choice of the cost community shall be considered as final. The Bank cannot be held responsible for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to inform BRAC Bank within one hundred twenty days of buying the product/service; the Bank is not going to be held liable to entertain the criticism. The Bank shall be entitled at any time without the consent of the Cardholder to assign and transfer the entire or any a half of its rights of obligations beneath this Agreement.

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The Bank reserves the proper not to enable worldwide Transactions as a lot as full restrict assigned for SAARC international locations & Myanmar and Non-SAARC nations in order that the Limits aren't exceeded in the occasion of change price fluctuations or any unauthorized transactions. The Card just isn't transferrable and its utilization is topic to the terms mentioned herein and any further situations stipulated by BRAC Bank Limited once in a while. The Cardholder on no account in any way will allow the Card and/or PIN and/or CVC/CVV and/or OTP to be used by another particular person. The Cardholder could not pledge the Card as Security for any objective whatsoever. BRAC Bank Limited reserves the right to establish the credit worthiness of the Applicant time to time by acquiring credit score bureau report and such other stories as it could deem needed and decline to concern a Card to any Applicant at its sole discretion.

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Once a Balance Transfer has been made, the customer has to proceed the stability transfer amount for a minimal of 6 months with BRAC Bank i.e., the client can not switch the steadiness to any other bank within the specified time period. Cardholder can settle partial or full outstanding of different bank's credit card by way of Balance Transfer. The Bank shall not be liable to refund the annual charge or any part thereof in case of the termination of the cardboard account.

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From time to time, Bank might monitor and/or record phone calls between the Cardholder and Bank to assure the standard of its customer service or as required by relevant legislation. All cards, which wouldn't have any funds pending for over a month or extra, might be renewed mechanically. In case the Cardholder does not want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation must be sent to the Bank two months upfront. Intimation despatched earlier than two months or less than 30 days earlier than the expiry can't be accepted. The Bank may also provide details about the Cardholder and the conduct of his/her accounts to any extra cardholder or to some other person/body to whom the Bank transfers its rights and obligations underneath this agreement.

The Cardholder shall not document the PIN in any kind in order to facilitate the PIN coming to the information of a third get together. BRAC Bank is permitted by the Cardholder for carrying out transactions and instructions authenticated by the PIN and shall not revoke the identical. If the Cardholder fails to watch the safety requirements, s/he might incur legal responsibility for BRAC Bank. BRAC Bank may, in its absolute discretion, problem a brand new PIN on the existing Card.

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Maximum 95% of the endorsed Travel Quota restrict may be utilized by the cardholder for worldwide transactions and the remaining 5% will be reserved for any sort of potential TQ breach. Use of the cardboard outdoors Bangladesh without proper endorsement will make the cardholder responsible for immediate cancellation and some other appropriate motion in accordance with the legislation. The cardholder may even be liable to clear all of the outstanding with out prejudice to any proper, treatment or motion in opposition to him/her, by the Bangladesh Bank, the financial institution or any regulatory agency. Gambling management commission you should have used that method for deposits earlier than, there are some exceptions that shall be additional explained.

The Supplementary Cardholder must be of 18 years of age or over. The issue of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank might deem essential. The payment by the Cardholder of any sum to the Bank in respect of any Statement of Account shall constitute binding and conclusive evidence of the acceptance by the Cardholder of the entries shown on that Statement of Account.

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