I approached my Thai bank several years ago to ask about a CC.
I was told I had sufficient funds to be given one but when it was explained to me that using it would mean money was used from my account to pay for the purchases, I immediately pointed out that was a debit card.
No. No they said it would be a credit card.
I said but your using my money in deposit not giving me money from your account to use and pay back later.
At that point I could see there was no point and politely withdrew from the discussion.
I have no idea if this is still the case but suspect it probably is.
Perhaps someone has more recent information.