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In case the Cardholder doesn’t need his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be despatched to the Bank two months prematurely. Intimation despatched earlier than two months or lower than 30 days before the expiry can’t be accepted. The Bank may provide information about the Cardholder and the conduct of his/her accounts to any additional cardholder or to another person/body to whom the Bank transfers its rights and obligations underneath this settlement. The Bank shall have the proper to examine the credit standing of the applicant for the card/or check standing of the Cardholder at any instances as and when the Bank deems match without reference to him/her. The cardholder and/or his estate might be liable for repaying in full any outstanding balances on the cardboard account and shall keep the Bank indemnified for all costs and expenses incurred in recovering such outstanding balances. The Bank displays the danger of utilizing the Card in the High Risk Countries.

The Bank reserves the best to retain the appliance forms and paperwork offered therewith, including photographs, and will not return the same. Processing charge on the transferred quantity may apply as per newest Schedule of Charges. The Bank shall act as an agent in providing this facility and can’t be held responsible for setting claims emanating from this scheme or for the approval or rejection of any claim. The Bank might at its absolute discretion issue a Supplementary Card to a person nominated by the Cardholder and accredited by the Bank. The Supplementary Cardholder should be of 18 years of age or over. The concern of the Supplementary Card shall be subject to such Terms and Conditions, which the Bank could deem needed.

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Without prejudice to Bank’s rights at any time to take the suitable legal motion, the Bank may charge charges for any returned unpaid cheque drawn by the Cardholder in full or partial cost of the outstanding amount. The Bank shall be entitled at its sole discretion to range the speed of method of calculation of the annual fees, finance costs, the desired Minimum Amount Due and/or late cost charges or any other costs. These transactions may embody room, food or beverage expenses, taxes, fuel, insurance, rental fees, injury to rental vehicles, parking tickets and different site visitors violations, and goods and providers bought aboard a Cruise Line vessel. A Merchant could process delayed or amended expenses if the Cardholder has consented to be liable for delayed or amended costs for a Hotel, Car Rental Company, or Cruise Line Transaction or some other transactions. [newline]The money advance payment and finance charge are non-refundable. The Bank at its sole discretion could reverse the partial or full amount. BRAC Bank Limited reserves the right to establish the credit worthiness of the Applicant time to time by obtaining credit score bureau report and such other reports as it could deem essential and decline to issue a Card to any Applicant at its sole discretion.

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Payments made by the cheques drawn on a location the place the Bank doesn’t have a branch will be topic to a processing and handling fee as determined by the Bank once in a while. A cheque deposit shall be acceptable for assortment and the proceeds shall not be out there till the cheque has been cleared and the proceeds paid to the Bank. Any money deposits may only be regarded as having been received by the Bank upon crediting the same to the Card Account. Use of the Card at any ATM of the Bank or some other bank or establishment with whom the Bank has an Agreement for the usage of the ATM of the said financial institution or institution by which case advance shall be additional topic to the applicable daily withdrawal limit of the ATM. BRAC Bank Limited reserves the absolute discretion and liberty to say no or honor the authorization requests on the Card with out assigning any purpose.

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