NotReallyHere

4 minutes ago, dick turpin said:

Could have got your re~entry permit

same time as your extension.

Good to know.  Thanks.  I'll do that when I renew next year.

I just recently received my Non-O retirement visa extension.  This will be my first time traveling outside of Thailand under that visa.

Can anyone tell me what documentation the Immigration Office at Suvarnabhumi Airport will require to process my re-entry permit?  Is my  passport and fee all that's required?  Roughly how long does the whole process take?

Thanks in advance...

1 minute ago, ubonjoe said:

You should get proof from your landlord did the report. If done online a screen shot would be accepted.

You will do your first report 90 days after the day you applied for your extension if it was the first one.

Changing addresses does not change your report due date.

That's the reply I was hoping to get. 

Thanks so much for your lightening fast reply!

I recently acquired the one year Non-O retirement visa extension.  I haven't done my first 90-day address report yet.  I changed residences today (within the same city, if that matters).  My landlord is aware of the TM.30 reporting requirement and will comply.

Is there anything required of me, with respect to the 90-day address reporting requirement?  Do I have make an early report because I changed residences or is that covered by the submission of the TM.30?

I checked the documentation I was given and the Thai Immigration webpage, but wasn't able to find an answer.

Thank you in advance...

On 6/29/2022 at 2:24 AM, kwonitoy said:

Register your card on Google Pay and leave your card at home if your worried about it's security.

I had my Visa credit card compromised in Canada, Visa called me at 2:00AM to check on a charge. The charge wasn't mine so the rep said the card is now dead, effective immediately. The charges were also reversed.

The card was compromised by using it for Internet payments, not by tapping it.

However she told me if I had the card registered for use with Google Pay I could still use my phone to pay for things with the same credit card number.

She also said that Google Pay's security is multitudes better than Visa's.

I realize it doesn't matter to some people, but I am very much averse to being tracked by Google, Apple, etc.

I think the fact that a person could still use their phone to pay after the card number is compromised shows the degree of confidence Google has that they have tracked the person successfully.

On 6/29/2022 at 2:32 PM, treetops said:

I don't know what you've read, but do you seriously think the banks would persevere with a system that increased fraud no matter who incurs the costs?

Absolutely.  Of course they would.  Banking is a business.  The bottom line matters, first and foremost.  Banks are not ethical entities.  There are plenty of examples of banks creating lending programs that were not in the best interest of the customers assuming the loans.  The banks didn't care.  They structured the loans so that they were covered.

Fraud risk is like credit risk.  As long as the risk is covered with fees and interest rates, it doesn't matter to the bank if they are losing money because someone steals or someone dies with a large credit balance but no estate to pay off the debt.  Ultimately, the loss is recouped with fees and interest payments.  Banks are like insurance companies.  They manage risk such that they always come out ahead.  Have banks and insurance companies failed?  Of course they have.  But usually due to unusual, unforeseen circumstances.  The banks are well aware people will commit fraud.  Actuaries calculate the risk and set the price.  Fees/interest, for banks, premiums for insurance companies.  As the risk changes, fees, interest rates, premiums, etc are adjusted.

But this is getting way off track of the purpose of this thread.  You may or may not be a fan of contactless payments.  If you aren't, I hope I've provided an easy workaround for the problem of not being able to turn off the function with the assistance of your bank.

6 hours ago, treetops said:

It's saving us money with the reduced level of fraud which we all end up paying for.

I've read otherwise.  There is a phenomena called "first-party fraud".  Supposedly, it significantly dwarfs reported fraud.  An honest form of "first-party fraud" is when a cardholder makes a quick contactless payment, doesn't remember making it and refuses to pay.  A dishonest type "first-party fraud" is when a cardholder knowingly makes a contactless transaction and then refuses to pay, claiming they didn't make the transaction (but that their card was not lost or compromised).  The cardholder blames "technology" or "system error".  These transactions are not reported as "fraud" by the cardholders and do not appear in the fraud statistics.  These types of disputes are increasing as countries like the UK increase the contactless limit from 30 to 100 pounds and they supposedly dwarf reported fraud claims.  Had the cardholders been forced to slow down and enter a PIN, it would be much more difficult to dispute these charges.

Again, costs for these unpaid transactions are passed on to all VISA consumers, whether they use contactless or not.

7 hours ago, Everyman said:

I’ve been trying to get my tap to pay card to work but it doesn’t. Which bank is this? Where did you use it?

 

Also i dont know if you are from the UK but you need tap to pay there to pay for things 

Are you using a debit card issued by a Thai bank?  Does it have the VISA "tap to pay" logo?  You should be good to go.  If not, take it to the bank.

I used my Thai debit card at 7Eleven to test my antenna modification and prior to that at a "Western standard" mall in town.

I don't use my Thai bank debit card outside of Thailand.  In Europe or the US, I just do without items that have purchase conditions that I disagree with.  There is often a work around, even if it is sometimes cumbersome.  I'm not a convenience junkie.

7 hours ago, The Hammer2021 said:

Nah. Tap to pay is normal in most countries and has led tona reduction in fraud due to merchant  controls

"Tap to Pay" is basically cash.  There are no "merchant controls".  That is the point.  The merchant doesn't check ID.  The merchant doesn't require a PIN.  You can set a daily payment limit, but unless you have taken the effort to do this, the default is probably your bank's highest limit.  In my case, 100,000 THB.

Let's do an experiment.  Meet me at the mall with your card.  We'll give your card to a mototaxi guy I know.  He'll be wearing a floppy hat, sunglasses and COVID mask.  Basically, unidentifiable.  We'll tell him he can use your card to make as many purchases as he wants as long as they are under 1,500 THB each and only one purchase per store.  He has to come back with the card when the "merchant controls" kick in.  You don't have to worry about any consequences of our little experiment because according to another poster, VISA assures "Zero Liability" for fraudulent purchases made with "Tap to Pay".

And let's not kid ourselves.  We are all paying for the "Zero Liability" policy of VISA through higher fees and higher interest rates.  They are offsetting their losses with their fee structure.

32 minutes ago, gargamon said:

Sorry, but a tap card can be cloned while it's still in your wallet by someone walking behind you with a relatively cheap scanner. That's why the current trend is to have an rfid blocking wallet that prevents the scanning.

This was a consideration of mine also.  I did, however, read somewhere that the new cards require much more proximity to be read by the scanner.  Also, there is encryption between the VISA card and the VISA card reader that cheap scanners can't crack.  I think cloning by passing by someone on the subway has become more difficult.  Either way, not a concern of mine anymore now that I've cut the card's antenna.

37 minutes ago, JackGats said:

Tap to pay is not a security flaw. As far as I know the PIN gets asked every so often and it gets asked when the amount is no longer small.

 

By swiping your card it could get cloned. Swiping is what you should be suspicious of!

You make a good point, however, I rarely use the debit card.  I use cash.  If I forget cash (which rarely happens) I use the debit card (at reputable establishments only).  I make frequent small cash withdrawals from ATMs which are EVERYWHERE.  I'm not bothered by the "inconvenience".  For someone with my usage profile, I think contactless payments pose a bigger threat for fraud than cloning.  I'm much more likely to have my card stolen than cloned.  I've been pick-pocketed twice in 4 years in SE Asia.  I don't think cloning happens here as often as it does in the West.  I may be wrong...

59 minutes ago, CharlieH said:

You can set your daily limit yourself and change it whenever you choose. (Kasikorn)

 

Also in the Uk as an example contactless will only work upto I think its £30 after that it has to be PIN.

 

The idea was SMALL amounts were quicker and easier(like buying a coffee etc).

AFAIK.

My bank has five payment limit levels (0/20K/30K/50K/100K).  Changing the payment limit can only be done at an ATM (not online or through the bank app).  If I'm at the ATM, I'll just pull the cash I need.

I would prefer "0" limit with the "tap and pay" and 30K with all PIN verified transactions.  Getting that mix is only possible by disabling the "tap and pay" function manually.

I agree that contactless is quicker and easier, but I think for those times that I'm not carrying enough cash, entering a PIN is quick and easy enough.

In general, I'm bothered that the banks don't give customers an option of turning off contactless payments.  Surely, it is technologically possible.  Primarily, I'm concerned about the security.  Opportunity makes a thief.  I've had petty amounts stolen from me here.  Stealing a card for a few contactless payment transactions wouldn't be unthinkable.  It wouldn't be a huge loss for me, but a pain in the ass I can easily avoid with a little cut in the card.

I'm not normally a conspiracy theorist, but I suspect this is all an attempt to get us to slowly get used to the idea of using our phone for contactless payments.  The point of that would be to track us better so that we can be profiled and marketed to more effectively.  I don't want to be tracked or profiled any more than I already am.  That is one of the reasons I use cash for 95% of my transactions.

47 minutes ago, Liverpool Lou said:

You can alter your card's payment limits!

Yes, but what I didn't like was that the bank automatically set the default at the highest amount (which I incorrectly remembered as 500K, actually 100K - not as dramatic).  20,000THB is my bank's lowest limit.

Also, can't alter the card payment limit online or through their app.  You have to go to an ATM.  Doable, but awkward, I thought initially.  In retrospect, I suspect it is supposed to be a security feature.  You possess the card and are on camera changing the limit.

43 minutes ago, Liverpool Lou said:

From Visa...

"No signature [PIN?] is required for most transactions under THB 1,500, for added convenience".

Looks like your B100,000 limit isn't a problem as over B1,500 verification would be necessary.

 

"Is using Tap to Pay with Visa secure for my customers?
Yes. Tap to Pay with Visa utilizes multiple layers of security to protect transactions, including cryptography and secure network processing. Customers also benefit from Zero Liability for all unauthorized purchases made with their Tap to Pay with Visa card or mobile device.

 

I appreciate the information from VISA.

Still...  The THB100,000 is the daily limit, not necessarily the transaction limit.  Granted, THB 100,000 would be difficult to achieve with multiple 1,500THB transactions.  But the possibility still exists if the thief is dedicated.  Online it could happen quickly.  Buying Bitcoin or Gift Cards, maybe?

I don't trust the "Zero Liability".  The card is connected to a bank account.  It's not a credit card.  Who knows how long it takes to convince the bank or VISA that the transactions were unauthorized.  And in the mean time, I won't have any cash in my bank account.  If VISA has a true "Zero Liability" policy, then fraud would be through the roof.  People making false claims against their own card transactions.  I think the $50 liability seen on most credit cards is to decrease (somewhat) people committing fraud on their own cards.

10 minutes ago, phetphet said:

Isn't there a small daily limit on "Tap to Pay"?

I just double checked.  I remembered the limit incorrectly for my original post.  My bank has a 100,000 THB daily limit, not 500,000 THB.  Still too high in my opinion.

2 minutes ago, NanLaew said:

A lot easier just to read the terms and conditions you agreed to when you accepted and started using your contactless payment card.

Wrong.

The problem would still exist whether I read the agreement or not.  As I stated in my original post, there are no debit card options other than those that also have the "tap and pay" function.

On 6/11/2022 at 5:02 PM, GinBoy2 said:

What are you talking about?

 

This is a simple distraction game which for many of us is fun.

If you don't like it don't play it, and why then would you have any opinion about it

 

If you are so worried about 'marketing', I'd advise not driving past any billboards, not watching any TV commercials or any Thai TV with the rolling commercials across the screen

If you play Wordle as poorly as you read my prior posts, you must have a really crappy average.

As I stated in my first post, I played multiple games of Wordle on an unlimited site until I realized it was merely a guessing game.  I've played enough games to form an opinion.

I'm not "worried" about marketing.  The one-game-a-day limitation was being promoted by another poster as a "feature", as if it was something positive, done to somehow increase the value or interest in the game.  I merely pointed out that the NYT's primary reason for the one-game-a-day "feature" was marketing.  If someone plays it more frequently, they realize it is just a guessing game.  Limiting the number of games played delays the player's realization that they are wasting their time and increases traffic to the NYT news site.

I can't spell it out to you more plainly than that.  If you still don't understand my point, you should probably quit trying.

20 minutes ago, Jingthing said:

No reply would be best.

You're probably right.  Don't want to distract you from the "challenge" of solving Wordle puzzles any more than I already have...

8 minutes ago, Jingthing said:

Its OK 

You don't like Wordle.

I do 

 

Next

....

I was considering waiting until tomorrow before replying.  You'd like it more...

3 minutes ago, Jingthing said:

I get it now.

You're trying to make this political.

Fail.

Wrong.

The poor journalistic standards of the NYT was an afterthought.  Wordle being a waste of time is still the primary point.  The single game a day "feature" is a marketing tool, regardless of which media outlet uses it.

1 hour ago, Jingthing said:

Some is luck. Some isn't. I much prefer being limited to one a day. It's a feature not a bug.

The single-game-a-day "feature" is a marketing tool designed to delay your realization that you are wasting your time.  The point is to draw you to the NY Times web site as often as possible.  If you get bored of the game sooner, you might not go to their biased "news" site.

You can also restrain yourself to one game a day on one of the Wordle Unlimited sites.  No need to go to the New York Times.

Google "Wordle Unlimited".  Plenty of sites let you play multiple games a day.  Once you do, you might get bored with it like I have.  You'll realize it's really just a guessing game.  Luck in choosing the correct letter/word.  No real satisfaction if you know you solved the puzzle because you randomly chose one of multiple possible answers.  As satisfying as rolling dice.

On 6/3/2022 at 7:37 AM, klauskunkel said:

I did mine 10 days ago (16th yearly extension), here is my list for Retirement (using money in bank, not monthly income method) at Chaeng Wattana (if your Immigration office is other, it may have different/additional requirements. Find out.):

1.     Completed Form TM 7 (requires passport photo and 1900 baht)

2.     Passport and copies of:

- front page showing given names / Passport number / Hologram or Photo

- Current Visa or 

- Current Extension and

- Last Entry Stamp 

3.     Proof of Address:

- Yellow Tabian Baan (If you possess one) and copy

- Pink ID card (if you possess one) and copy

or

- Copy of House owners Tabian Ban (signed by Wife/Landlord) and

- Copy of House owners ID card (signed by Wife/Landlord) and

- Rental Agreement and copy (If rented)

4.     Map pinpointing and detailing Address (Google maps or hand drawn)

5.     Proof of sufficient funds:

- Updated Bankbook to today's date (make transaction if necessary) and copies of all pages going back one year to show initial 3 months seasoning of 800,000 and subsequent minimum balance of 400,000. (If your Bank account is new then just make the copy of your balance page and first page)

- Letter from your Thai Bank confirming funds. (Must match funds in Passbook)

6.   Copy of both front and back of your TM 6 Departure Card.

 

--my latest 90-day reporting update slip

--my most recent TM30 residency confirmation receipt

 

Sign all copies (except bank letter and copies signed by Wife/Landlord) before you sit down with officer

 

There will be a document check by an Immigration assistant as you approach, and they will give you 4 more forms (acknowledgements, consents) to sign.

 

If you make an appointment print out the confirmation email, so you can go in directly without waiting for hours. Coordinate your appointment time with bank opening hours (if your bank is located at CW downstairs).

 

With all this done and prepared correctly, I sailed right thru in 20min overall.
 

Thank you for the comprehensive list.  I will save this for next year.

I went to Immigration (Hua Hin) before reading this post.  I had all of the above except a copy of the last entry stamp.  Fortunately, I was able to make a copy of it there and was processed without any further delays.

I didn't have a copy of the back of my TM.6.  They didn't request a copy (probably because there is no additional notation entered on the back).

Any idea what the notation block on the back of the TM.6 is used for?  Just curious...

I currently have a 90 day Non-O retirement visa.  I want to apply for the one year Non-O retirement visa extension.

I've downloaded the list of requirements from the Bangkok branch of the Bureau of Immigration webpage, but the instructions aren't complete.

It states I need to submit an "application".  It does not specify the form number.  Do I submit a TM.86 or TM.87 or is there some other "extension" application I am unaware of?   I used a TM.87 with my original application because I entered Thailand, Visa Exempt.

Also, I am using the 800K THB bank deposit method.  I originally submitted the document from the bank verifying that the funds were deposited from overseas.  Foolishly, I forgot to keep a copy (I submitted the original).  Do I need a new document verifying the funds were deposited from overseas or is that not a requirement for the extension since the 90 day wouldn't have been granted without that form.

Thanks in advance...