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What are the requirements exactly for credit cards?

verylostdog
in Jobs, Economy, Banking, Business, Investments

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On 9/11/2024 at 11:15 PM, verylostdog said:

My confusion mainly came from the fact that I read somewhere a credit score is only generated once you take a loan or a credit card out.

 

That's how I got a Thai credit score. Bought a vehicle on finance in my name and honored the commitment. Before the final payment, traded it in for a newer one on finance.

 

Of course the finance company wanted a work permit as part of their approval but the excellent dealership sales lady "worked with me" on this and by everyone agreeing to my making a bigger cash deposit, the WP requirement was waived. Buying a car, especially a smaller, cheaper one, may be a faster way to getting a credit score and a credit card but be prepared for many 'cannot' and bureaucratic inflexibility driven by a lack of knowledge of what can and can't be done.

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    • msbkk
      msbkk

      You need to show a work permit and salary paid in Thailand. Alternatively you can apply for a secured credit card. In this case you have to deposit an amount as security which you cannot withdraw as l

    • Jerzy Swirski
      Jerzy Swirski

      I have 800k baht on deposit for my extension of stay.   Can I use that money to get a secured credit card?                      

    • 1FinickyOne
      1FinickyOne

      most likely is that you don't have a sufficient credit history... giving credit is lending money and they would be reluctant to give it to any foreigner, who could easily disappear tomorrow. They want

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