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“Schedule of Charges” means the list of expenses applicable for the services offered on the Card. These charges are topic to adjustments on the sole discretion of BRAC Bank Limited. However, such modifications in charges could also be made solely with potential impact giving prior discover of 30 days to the Cardholder. “Electronic Banking Terminal” means any licensed terminal or system by which Card and/or PIN can be used. This includes ATM, Point of Sale terminal or e-Commerce by way of which Card transactions may be carried out or any other licensed terminal or device connected to BRAC Bank digital banking system every so often.
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A cheque deposit shall be acceptable for collection and the proceeds shall not be obtainable until the cheque has been cleared and the proceeds paid to the Bank. Any money deposits may only be considered having been received by the Bank upon crediting the same to the Card Account. The Cardholder agrees to pay the Bank upon the request of the Bank an annual fee as prescribed by the Bank for the card and an annual payment prescribed by the Bank for each Supplementary Card.
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If the disputed Card Transaction turns out to be genuine, the Cardholder shall pay the amount set out in the relevant Card Transaction together with any fees incurred by the Bank within the investigation of such disputed Card Transaction. Payments will be handled as made from the date on which the funds are actually received by the Bank in the strange course of business and not from the posting date on the Statement. At least 3-4 days must be allowed for the cost to be credited to the Card Account. If the Cardholder pays an amount less than the present balance of a particular month’s invoice assertion by the fee due date, curiosity might be accrued on the steadiness remaining after the Payment Due Date and will be posted in the next assertion.
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Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank both in writing or by publication thereof. Such adjustments 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 fee network (Visa/ Mastercard) and the decision of the fee network will be thought of as final. The Bank can’t be held answerable for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to notify BRAC Bank within one hundred twenty days of buying the product/service; the Bank will not be held liable to entertain the grievance. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and transfer the whole or any a part of its rights of obligations beneath this Agreement.
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