pattaya1234was Posted August 22, 2022 Share Posted August 22, 2022 15 hours ago, ripstanley said: In 2019 I had an operation in Phayao Ram (a private hospital). They accepted a cash deposit. So your initial statement is incorrect. My reference was to one hospital which happens to be in Pattaya. For major operations ,if you do not have Insurance, I suspect a CC will be asked for-maybe I am wrong but... Link to comment Share on other sites More sharing options...
lopburi3 Posted August 22, 2022 Share Posted August 22, 2022 43 minutes ago, pattaya1234was said: My reference was to one hospital which happens to be in Pattaya. For major operations ,if you do not have Insurance, I suspect a CC will be asked for-maybe I am wrong but... I suspect not as have used cash/debit cards at 3 major hospitals here in Bangkok without issue. What may be asked is pre payment or a portion of payment but that can be in cash or debit card withdrawal. This is also true at government hospitals. Link to comment Share on other sites More sharing options...
The Hammer2021 Posted August 22, 2022 Share Posted August 22, 2022 2 hours ago, Fat is a type of crazy said: To address your main point though except for some utilities, and some tradesman looking for cash jobs which I reject, I find there is seldom discounts for cash or debit card. For those that do the extra fee is normally the same as the points. I think businesses for a long time accept that people want to use new technologies and there are advantages for record keeping and not having to muck around with cash. Obviously though in Thailand sometimes cash is the only practical payment method for some small businesses. For those businesses that can accept card but offer discounts to avoid tax I would say don't support them. Rarely use CC in UK but only out of necessity or convenience never to get points or cash back. Its just a distraction like those Green Shield Stamps- A con trick and waste of time. Credit cards were introduced to make money out of people not to benefit people. Cheques worked fine. Credit cards encourage people to get into debt buying things they don't need. Regarding car hire and some hotels check in. Just get a card with a very low limit on it. 200 dollars. Regarding convenience of use- it's a thing of the past- transactions are cancelled and delayed for all kinds of spurious reasons. Regarding 'discounts' Its not that you bargain for a discount it just that things are cheaper when buy with cash. CCs prices are dearer or there are handling fees. Link to comment Share on other sites More sharing options...
The Hammer2021 Posted August 22, 2022 Share Posted August 22, 2022 1 hour ago, pattaya1234was said: My reference was to one hospital which happens to be in Pattaya. For major operations ,if you do not have Insurance, I suspect a CC will be asked for-maybe I am wrong but... I had no CC for a long time. I deposited cash and passport at BPH and another hospital Link to comment Share on other sites More sharing options...
Fab5BKK Posted August 22, 2022 Share Posted August 22, 2022 17 hours ago, The Hammer2021 said: Scam waste of time. The only people who benefit financially from CCs are the credit card companies. Every single cent you claw back or redeem (buying things you didn't need) you could have bought cheaper with cash or debit card. Points! LOL 100% non sense! LOL Scenario # 1: I invite a customer for lunch in a 5-star hotel and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. 4. Last but not least, it's a business expense and I can claim it back! Scenario # 2: I fill the tank of my car @ the petrol station and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. Scenario # 3: I pay a return ticket to Europe and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. 4. With my credit card I get a free and comprehensive travel insurance. Scenario # 4: I buy a new laptop (for example) and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date or I can take advantage of a 10-month interest free scheme. 4. If during the first 90 days my new device is stolen, broken or lost, the credit card company will pay for a brand new one. PS: I don't have to pay the annual credit card fees! So, please tell me where is the problem? LOL 2 Link to comment Share on other sites More sharing options...
The Hammer2021 Posted August 22, 2022 Share Posted August 22, 2022 1 hour ago, Fab5BKK said: 100% non sense! LOL Scenario # 1: I invite a customer for lunch in a 5-star hotel and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. 4. Last but not least, it's a business expense and I can claim it back! Scenario # 2: I fill the tank of my car @ the petrol station and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. Scenario # 3: I pay a return ticket to Europe and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date. 4. With my credit card I get a free and comprehensive travel insurance. Scenario # 4: I buy a new laptop (for example) and I pay with my credit card. 1.The price I pay IS the same that if I had paid with cash. 2. This transaction will give me points and I'll be able to use these points to get some rewards (free lunch, free ice creams, discounts @ the big malls, discounts at hotels, etc.) 3. The money isn't directly taken from my account. This transaction could be paid, free of charge, up to 50 days after the actual date or I can take advantage of a 10-month interest free scheme. 4. If during the first 90 days my new device is stolen, broken or lost, the credit card company will pay for a brand new one. PS: I don't have to pay the annual credit card fees! So, please tell me where is the problem? LOL I think you need to give it more thought! Actually I am wrong in one respect- the new touch and go credit card system is really good and cuts down on queues at the bar but so do payment apps . Both have led to reduction in tips. I just did a quick tally of 12 people in the UK and Thailand- all credit card users none ever think about them in terms of rewards. Perhaps it's an American thing. But the idea that you make money by spending money is a fantasy. Credit cards are the major cause of debt, overspending and Bankruptcy in many countries. They are useful at times and sometimes we are forced to use them. The best advice is if you must have one keep a low credit limit on it. Link to comment Share on other sites More sharing options...
ThailandRyan Posted August 22, 2022 Share Posted August 22, 2022 1 minute ago, The Hammer2021 said: I think you need to give it more thought! Actually I am wrong in one respect- the new touch and go credit card system is really good and cuts down on queues at the bar but so do payment apps . Both have led to reduction in tips. I just did a quick tally of 12 people in the UK and Thailand- all credit card users none ever think about them in terms of rewards. Perhaps it's an American thing. But the idea that you make money by spending money is a fantasy. Credit cards are the major cause of debt, overspending and Bankruptcy in many countries. They are useful at times and sometimes we are forced to use them. The best advice is if you must have one keep a low credit limit on it. I used my Amex card in the US to pay my mortgage and all of my household bills, no issues, paid it in full every month, and earned enough airmiles with Delta to pay for my flights to Thailand and back in First Class. My Black card I have has great perks, free lounges, concierge services etc...... So tell me how I did not make any money and it is a fantasy....never overspent, and do not buy items I do not need. No extra fees were charged on the items I used the cards for, just obtained perks. Of course there are the annual fees I pay but then the rewards far outweigh the annual fee. However, as a business person, my cards were used quite a bit, however, now, not so much. I still pay for items in the US monthly, such as power bills, storage facility, and my property managers fees, which he reduced his fee to cover the 2% card charge he charges for accepting the card. 1 Link to comment Share on other sites More sharing options...
Fab5BKK Posted August 22, 2022 Share Posted August 22, 2022 1 hour ago, The Hammer2021 said: I think you need to give it more thought! Actually I am wrong in one respect- the new touch and go credit card system is really good and cuts down on queues at the bar but so do payment apps . Both have led to reduction in tips. I just did a quick tally of 12 people in the UK and Thailand- all credit card users none ever think about them in terms of rewards. Perhaps it's an American thing. But the idea that you make money by spending money is a fantasy. Credit cards are the major cause of debt, overspending and Bankruptcy in many countries. They are useful at times and sometimes we are forced to use them. The best advice is if you must have one keep a low credit limit on it. Allo! It's not just about "rewards"! Did you, truly, read and understand, my post? BTW, I do not pay a single THB of interest/fee linked to my credit card activity! Got it? Therefore, how could I do "overspending" and how could I be "in debt"? You, really, have to open your mind a little bit and start to think... I hope you aren't / weren't in a senior finance position. Link to comment Share on other sites More sharing options...
ChrisP24 Posted August 22, 2022 Share Posted August 22, 2022 On 8/21/2022 at 1:11 AM, Chris.B said: Never heard of Skrill and Chime. USA only or UK as well? Skrill's parent company is based in Ireland so I assume they accept U.K. customers. Chime is based in San Francisco, not sure about them. Link to comment Share on other sites More sharing options...
FritsSikkink Posted August 24, 2022 Share Posted August 24, 2022 On 8/20/2022 at 4:43 PM, Robin said: Do you have a Thai Credit/debit/ ATM card? Can be useful in LOS, but remember it is Debit card and might have a low spending limit, and not much use for on-line purchases. Check with you issuing bank. I have always kept a UK credit card (Mastercard) to use for emergencies and buying air tickets via Expedia, but be aware that Mastercard will not send you a new card to Thailand Genmerally i do not find a Credit card very useful in LOS. Most retailers do not want you to use it and my Kbank card does not give me a statement or any credit, so only a very limited debit/atm card Hopefully sometime in the next 100 yrs Thailand will catch up with the west on this (Thailand 4.0?) You can use a Thai bank debit card for online payments. Thailand has had for a very long time you could do payments with an ATM machine, long before the West. Maybe your knowledge of Thai banking needs an upgrade. The low spending limit is your personal problem as with enough funds you can set the limit high. Link to comment Share on other sites More sharing options...
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