Cash Advance at Bangkok Bank problem

[djeetyet]

Went to Bangkok Bank to use my Schwab debit card for a Cash Advance only to be told that my card no longer worked in their system. I have used this card before with no hassles. Has anyone else encountered this problem and is there a fix for it? 

 

If there has been a previous thread regarding this topic please leave a link. I searched and could not find one.

[TheAppletons]

Have you tried using the card in an ATM to make a withdrawal?  If that works, then it's employee error.

 

(Since Schwab refunds 100% of all ATM fees, I'm wondering why you bother with the "cash advance" route when you can just withdraw from the ATM free of charge.  Your money, your choice, of course.)

[treetops]

Did they even try the card or just wave you away with that excuse?

[djeetyet]

2 hours ago, TheAppletons said:

Have you tried using the card in an ATM to make a withdrawal?  If that works, then it's employee error.

 

(Since Schwab refunds 100% of all ATM fees, I'm wondering why you bother with the "cash advance" route when you can just withdraw from the ATM free of charge.  Your money, your choice, of course.)

I did not try the ATM machine as I like to withdraw one large amount rather than many smaller ATM machine withdrawals

[djeetyet]

2 hours ago, treetops said:

Did they even try the card or just wave you away with that excuse?

Yes, I believe they actually tried the card.

[Crossy]

48 minutes ago, djeetyet said:

I did not try the ATM machine as I like to withdraw one large amount rather than many smaller ATM machine withdrawals

 

I would try the card in an ATM, if it does actually function you have pilot bank-employee error, if it doesn't then it's time to talk to your bank.

 

 

[JoseThailand]

I believe they stopped doing cash advance on debit cards. So maybe they told you the truth.

[JoseThailand]

Btw, doesn't Schwab reimburse ATM fees? Why did you need cash advance in the first place?

[djeetyet]

44 minutes ago, JoseThailand said:

I believe they stopped doing cash advance on debit cards. So maybe they told you the truth.

Yes, it is a debit card. Do you have a link to this information?

[djeetyet]

44 minutes ago, JoseThailand said:

Btw, doesn't Schwab reimburse ATM fees? Why did you need cash advance in the first place?

Yes Schwab reimburses, but I find the cash advance most convenient and can get large sums of money rather than withdrawing many many times from the ATM machine

[JoseThailand]

35 minutes ago, djeetyet said:

Yes, it is a debit card. Do you have a link to this information?

 

It's a word of mouth

[treetops]

On 4/18/2024 at 12:51 PM, djeetyet said:

Yes, it is a debit card. Do you have a link to this information?

 

It was mentioned here but reading the first few responses it seems to have been a false alarm.

 

https://aseannow.com/t

opic/1258853-is-it-true-no-more-cash-advancesover-counter-withdraw with-a-foreign-atm-debit-card/

[lom]

On 4/18/2024 at 6:53 PM, djeetyet said:

Yes Schwab reimburses, but I find the cash advance most convenient and can get large sums of money rather than withdrawing many many times from the ATM machine

Maybe you could do a one-time exception to your rule just for test purpose?

[Everyman]

I find it unwise to “abuse” the Schwab ATM refund policy by using it too much. I don’t want to temp them to change it.

[gamb00ler]

On 4/18/2024 at 6:53 PM, djeetyet said:

Yes Schwab reimburses, but I find the cash advance most convenient and can get large sums of money rather than withdrawing many many times from the ATM machine

After 5 attempts to get cash advance from BKK bank teller.. I was successful.

 

https://aseannow.com/topic/1336990-do-you-know-americans-ss-to-change/?do=findComment&comment=19658162

 

It seems BKK bank now limit cash advances to 100K ฿.  You may also have to check with several BKK branches before finding one that will even try to do it.

[gamb00ler]

On 4/18/2024 at 2:09 PM, TheAppletons said:

Have you tried using the card in an ATM to make a withdrawal?  If that works, then it's employee error.

 

(Since Schwab refunds 100% of all ATM fees, I'm wondering why you bother with the "cash advance" route when you can just withdraw from the ATM free of charge.  Your money, your choice, of course.)

A few reasons.... I usually want much more than the ATM limit.  If I do several ATM withdrawals a couple of annoyances can occur.... I can empty the ATM of large bills and/or I end up with too much cash in my pockets.  I then have to go to the CDM or the teller to deposit the excess.  I really don't like to abuse Mr. Schwab for $6+ for each ATM withdrawal when I can spend the same amount of time and end up with the money directly into my Thai bank account.  I see no need to give Thai banks $6+ for each ATM transaction.  The bank already makes a small fee via the VISA Interchange Reimbursement fee.