sweettea21

Probably a long shot, but does anyone know any bar that plays American country music or southern rock? 

1 minute ago, Pib said:

No way the Bangkok Bank DCC rate is better than the Visa/Mastercard rate.  The Bangkok Bank DCC rate would have been around 3% lower than the Visa/Mastercard rate.

I'm not saying it ain't. I'm saying when I proceeded without conversion I ended up getting a worse deal that one time. I may try again tomorrow if I'm feeling adventurous. 

1 hour ago, Pib said:

Where you say "by far the best exchange rates" every ATM (regardless of bank) uses the Visa/Mastercard exchange rate "unless the ATM offers you a Dynamic Currency Conversion (DCC) exchange."   DCC is that local bank's ATM rate which will be around 3 to 4% lower than the Visa/Mastercard rate.  

 

Now highly, highly unlikely the ATM will call it a DCC transaction on the screen....instead, it will probably just be called bank rate or some other vague name....maybe say they are making the conversion for your convenience (really to put more profit in their pocket at your expense.

 

DO NOT accept a DCC offer...DO NOT accept their offered exchange rate...press the appropriate button to continue on to get the Visa/Mastercard rate.

 

Like below Krungsri ATM DCC offer you would press "Continue without Conversion" to not accept Krungsri DCC offer/rate and continue on to get the higher Visa/Mastercard rate.   Seems folks with Mastercard are more likely to get a DCC offer vs folks with Visa.

 

 

 

Yeah I read about this. I tried it out last year and found the offered rate better than the "continue without conversion" rate. Or at least that's the case with Bangkok Bank. 

I also tried different Bank ATMs, Bangkok Bank seems to offer better rates. Like it seems to me they use the fx rate (slightly higher). 

I withdraw money from a US card on a weekly basis, pretty sure Bangkok Bank ATM (By far the best exchange rates, too. I find) still charges Baht 200. 

On 3/13/2017 at 11:44 AM, straylight said:

I had to replace mine several times; once even before leaving the bank when I picked up a new one and tested it with the staff before leaving. There was or is something faulty with the magnetic strips that Krungsri is using.

This. This is exactly what I wanted to know. The customer service ladies as well as bank tellers kept telling me it is impossible for the chip card to have problems and that they *NEVER* had any problem with their cards before. I knew they were full of sh*t!

On 3/13/2017 at 11:32 AM, Tchooptip said:

My Krungsri Visa debit card is 4 years old, I usually made about a withdrawal per week, it still works perfectly even if it looks a little worn out

 Never had problems with it.

On 3/13/2017 at 9:05 AM, cnx355 said:

Good idea, go at your emitting branch and take the customer service lady outside to see for herself that the ATM card does not function properly. Then they should give you a new card free.

Note: be sure to try your  ATM card before you go-in to be sure it is still defective.

 

NOTE 2. I had an ATM card with Krungsri for more than 20 years. Never had a problem but I still have an old card with no chips.

On 3/12/2017 at 6:20 PM, CharlieH said:

If they wont give you what you have already paid for, a functioning card, then take your business elsewhere.

Yeah the card works at krungsri's own machines but I travel frequently and spend 50% of my time outside of Thailand so I'm guessing closing this POS account is the answer. I actually just switched from Siam Commercial to Krungsri last year because the SCB debit card works terribly in the US. Any debit card that works well outside of Thailand? 

The chipcard seems to be the problem here, I have a non-chip card from standard chartered Thailand that works fine, but I'm always a little nervous when I travel and prefer to have a second option just in case I lose my wallet or something goes wrong. 

On 3/13/2017 at 9:34 AM, Jedsada3 said:

If your card works in some machines and doesn't work in other ones, the problem might come from the machine...

Probable reasons why it doesn't work:

• your card is electro statically charged --> wrapping the card in a plastic bag and then swiping it could help.
• the place or the wallet where you store your card is magnetic --> change place/wallet. Don't keep your card near your mobile phone...
• the magnetic strip or the chip are not 100% clean (fingerprint) --> cleaning them with a piece of fabric might work.
• the reader in the machine is dirty and not sensitive enough --> try another machine.

Thanks. I tried all that and today at the super market at EmQuartier, they had to tried 4 different CC processing machine for the krungsri card to finally work. While I was overseas I tried at least 20+ ATM machines from different banks in 3 different countries with no luck. Now Bangkok Bank ATM wouldn't take this card, either. And this card seems to only work on Krungsri ATMs, overall a nightmare. 

So I opened an account and they have me a debit jad Hai card, the card was super slow. As in I had to wait up to a couple minutes to have the card back everytime I make a withdrawal at their very own krungsri ATM machine. Card eventually got eaten by their machine after just a month or two, no problem, they issued a new card to me for free.

The new card worked fine until it didn't. Suddenly decided not to work while I was in Singapore and Bali. Called a bunch of times, Customer service informed me that my account and everything is fine, overseas usage is still enabled..etc. Note that the very same card has worked in the same countries before. Now it just wouldn't let me use it for purchase nor cash withdrawal. 

Just got back to thailand, figured there's a chip failure or something, card worked for a day or two, then it doesn't. Made it down to the account opening branch, they told me everything is okay, I asked for a new card since this card doesn't work, they said I have to call customer service, only they have the authority to waive card issuance fee. Fine. Called and talked to a lady for 30 minutes who understands that "You want a new card but don't want to pay for the fee ", well that is correct because this card doesn't work. "I understand your point but you have to pay for the fee if you want a new card" 

Is this ridiculous or am I just being difficult?! This is a card that, used to work fine until it doesn't. 130baht is nothing but it's not even about the money at this point.