Same as a This credit card for Farang. You have to deposit 30000bht if you want a 30000 baht credit limit.
If you don't pay full balance by due date you charged high interest even though they hold your 3000 held as security.
I still happy for touch and go convenience to have the card in wallet.
So the farang Thai credit card is really like debit card ,.
Wise relies on amount of deposit you hold in account.
All good, if you haven't got it you can't spend it. For me just old habit, always previously used credit cards in my business. I always pay balances before due dates. Never been charged interest on plate otr over limit payments.