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Without prejudice to Bank’s rights at any time to take the appropriate authorized motion, the Bank might cost fees for any returned unpaid cheque drawn by the Cardholder in full or partial payment of the excellent quantity. The Bank shall be entitled at its sole discretion to vary the speed of method of calculation of the annual charges, finance costs, the specified Minimum Amount Due and/or late payment costs or any other expenses. These transactions might embrace room, food or beverage expenses, taxes, fuel, insurance coverage, rental fees, injury to rental automobiles, parking tickets and different visitors violations, and goods and providers purchased aboard a Cruise Line vessel. A Merchant may process delayed or amended costs if the Cardholder has consented to be liable for delayed or amended expenses for a Hotel, Car Rental Company, or Cruise Line Transaction or any other transactions. [newline]The money advance fee 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 determine the credit score worthiness of the Applicant time to time by acquiring credit score bureau report and such other stories as it might deem essential and decline to problem a Card to any Applicant at its sole discretion.

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