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mylal

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Posts posted by mylal

  1. 5 hours ago, rwill said:

    First thing to consider is your home banks policies.  They can charge a fee for a foriegn withdrawal and also a foriegn transaction fee(a percentage of the exchange rate)  Then the Thai banks charge a 220 baht fee no matter the amount of withdrawal.  TMB, Krungsri and some SCB ATM's allow up to 30,000 baht withdrawals, as long as your home bank also allows that much.  Charles Schwab has no fees or foreign transaction fee and also rebates most charges foreign banks charge giving you free withdrawals.  You may find some banks that also refund other banks fees but most put a limit on how much they will rebate per month.

     

    Then never accept the exchange rate the ATM offers you.  It is much lower than the rate visa/mastercard give you, which is very close to the rate you see when looking them up.  Always choose the 'continue with no conversion option.

    ????visa mastercard charge 2-5 conversion rate on foreighn transaction....

  2. On 12/19/2019 at 7:35 AM, djayz said:

    To the OP, who seems to have disappeared, I too was annoyed at the beginning when quoted high prices at some of the markets. However, you should see it as "just doing business". The sellers, just like any business worlwide, wants to maximise their profits. The customer on the other hand, just like all customers worldwide, whats to get the best/lowest possible price. It's a negotiation. You haggle/bargain and try to meet somewhere in the middle. This practice goes on in every business and at much higher levels than you or I haggling at a street stall. I don't hear of CEOs punching people because they're frustrated though. 

    After having lived here for 6 months, may I suggest that you relax and either haggle or, as a previous poster suggested, just walk away. It's nothing personal, but these guys ony eat what they sell. The more they make, the more they eat. Getting frustrated, angry or verbally abusive is only going to upset you and make you look like a fool. Chilax. There are numerous other shops and stalls selling the exact same stuff. Try one of them. 

    ????if haggling with boxing champ mike tyson yes a punch

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