I just think banks are rejecting more new account setups as they are under pressure from scams. I opened a new account about 6 months ago. In August I setup my Wise PayId to send money to Wise. When I tried to transfer money it was denied and my account was locked. I transferred from my other bank. Had to call my bank to unlock everything and tell them the payee is not a scam. Great. Last month I tried to transfer and again it was denied. Another call and many requests to explain why after 2 months of creating the PayId and having it cleared, it was still blocked. The best they could do was say it was automatically detected by software.
In the end I have finally managed to get it to work.
Good luck.
I had exactly the same experience when I came to korat
It was not the doctors or hospital fault, but the fault that I was convinced that my wife knew English and was translating everything well.
It came out that her translation was completely wrong and that she was trying to save a few baht. From that day on, I didn't use my "walking translator" anymore.
I would say go for the retirement visa so that if there is any increase in requirements you may be grandfathered. IMO DTV application is likely to get stricter.
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