Which is why I'll just wait it out, not super concerned, I mainly use my wife's Credit Card for everything, she wants the points. I use SCB mainly for little items from Lazada, some QR code payments on the street, and for immigration. I could live without it for a short time if needed. In a pinch I could use my Wise debit card too, so no biggie. SCB bank and True didn't seem to be too concerned, so why should I?