Update on this is a mixed bag.
Really the only reason that I wanted True Money was because Grab and Panda no longer accepted my Bangkok Bank Mastercard debit card even though I have activated that for online shopping.
As mentioned before Panda doesn't accept True Money from foreigners even though True Money does. Weird, huh?
So I was trying to upgrade my True Money to be used on Grab but whatever instructions they gave me on the phone didn't pan out when I tried it.
So then I thought heck I will try get my Kasikorn Visa debit card to work. Previously I had failed to activate that for online shopping so I called them and they said Grab and Panda would need that to be able to use it.
Even though I had failed several times to active my Kbank card, customer service helped me get that done, and once done, I was able to successfully add it as my default card to Grab. Also I will be able to use it for their premium promotion club which saves me a lot of money. So great on that.
For Panda, it still fails when trying to add as a payment method. Which is no problem if I want to pay cash on scan QR for orders but now with no card payment method on record I can't renew their Panda Pro discount club. Oh well.
Grab was much more important to me anyway.
So now I don't even really need my new True Money account. It does work to pay at 7-11 and for Lazada shopping but I didn't need either as I like to pay cash at 7-11 to get change and I have been paying by bank transfer app on Lazada.
So I have no reason yet anyway to even try to upgrade my True Money account.
It was a pain to open it so I'll keep it open as might actually need it later.
I did a test pay at 7-11 where the clerk scans my QR code and that was pretty cool -- impressed the Russian tourists that I was local.
So sorted for the most part for now.