blackcab

Predatory

Crab

Crackerjack

Sonic

Resect

Battle

Casino

Norfolk

As I mentioned, this is how the credit card provider chooses to do business. It suits them. You either accept it or move on because you won't change it. No idea because I can't speak for the credit card provider. Does that rate incorporate the currency triangulation?

Vermin

Regarding conversation of foreign currency to USD and then to home currency (THB), this is how the majority of cards work, and not just in Thailand. Card companies do this to manage risk and standardise procedures. They don't want to have to directly convert two obscure currencies because their wouldn't be much of a market for it and the rates would be horrific. If you hired a car in Kazakhstan, they might struggle to exchange Tenge directly to Baht. Does this rule benefit them with major currencies such as Euro, Pound, Yen, etc? Of course, they wouldn't have it any other way.

Fealty

1.2 A collection expense fee is a monthly amount/fee charged when your account is overdue/past payment/you haven't paid the minimum amount. You won't ever see this if your account is in good standing. 1.3 This is a percentage amount added if you use your card to pay for Thai government fees such as Land and Building Tax at your District Office.

Bitter

Sanctions