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    1. 38

      Positive stroke for moving to Chiang Mai

      What goes through MY mind is.... a. Chiang Mai is the very best culture I have ever had the pleasure to enjoy. And, maybe it's just the Lanna in me. b. I enjoy the smoking season because: When it's so smokey that the data goes off the charts.... THEN... I have no guilty regrets about remaining indoors, seated at my computer, instead of outdoors hiking in the mountains, and sweating like a pig. c. Everybody knows that the Farang in Chiang Mai are smarter than the Farang living anywhere else in Thailand, on average. Just check the data. Or, just look at what the Farang are wearing in Pattaya compared to what the Farang are wearing in Chiang Mai. c2. Or, just read the Chiang Mai Sub-forum, and compare it to the Pattaya Sub-forum. The difference in intelligence is like....Night and Day. No contest, even. d. Honestly, I have never loved living in Asia as much in my 45 years here, as I now do living in Chiang Mai. I guess, maybe, judging from "Point d" that one must be way above average IQ to understand the many blessings we receive after moving to the best city in Thailand, which is Chiang Mai. e. I hate the way newcomers (Farang) can't even pronounce the "Chiang" in Chiang Mai. Total morons, in my view.
      GammaGlobulin in Chiang Mai
    2. 20

      Samsung repairs / after sales service

      I have an 18 year old plasma Panasonic bought in UK and brought out here when I emigrated. Still going strong. I did buy a 55 inch LG OLED about 4 years ago which I put in the new house. It was a bargain 25K baht half price because it was last year's model but is fantastic . Reviews say LG make the best OLED on the market. Can't disagree and being a smart TV has pre installed TV apps like Netflix etc.
      Chongalulu in Audio Visual AV
    3. 6,014

      Word Association (2024)

      Minor
      ColeBOzbourne in ASEAN NOW Community Pub
    4. 3

      Cannot find a working offline translate app

      Thanks for the replies. The Thai language pack had already been downloaded and installed, and it still wasn't working, and I'd already tried uninstalling and reinstalling this and the Translate app, but I did it again, by a slightly different route, and now it works offline for text but not voice input. I have no idea what I was doing wrong. I don't think Google have yet made the voice input an option for Thai. This and Lens are very useful apps here!
      exfatriate in Mobile Devices and Apps
    5. 25

      Why do receipts cost so much?

      You're right. I never mailed. I only did it online or in person.
      AndreasHG in General Topics
    6. 175

      Deadlocked Between Trump and Harris in NBC News Poll as Election Approaches

      Project 2025 is a blueprint for the next conservative administration—namely a Trump presidency—developed by the Heritage Foundation with support from other right-wing organizations, which has primarily gained attention for its 900-page policy roadmap proposing wide-reaching and controversial changes to every aspect of the executive branch. "Vance, however, openly has close ties with the Heritage Foundation and its founder Kevin Roberts, who told reporters the organization was privately “really rooting” for Vance to be the VP pick and told Politico in March that the senator “is absolutely going to be one of the leaders — if not the leader — of our movement.”
      Danderman123 in World News
    7. 10

      Thailand Urged to Tackle Foreign Influence in Tourism Business

      Richardsamui in Thailand News
    8. 10

      Thailand Urged to Tackle Foreign Influence in Tourism Business

      If you cannot beat them then join them. Tourism is about planning and creating products befitting the needs of the visitors. Over the last 40 years I could see the sheer downslide of tourism. The actual numbers of visitors might have gone up but the average spending and average stay per visitor when down the halligally. Study how quality tourism is created; starting with the completely ridiculous visa laws, rules and fees - ongoing changes on that front. Carry on by abolishing ideas like "landing fees" and the likes. Get experts in with a proven track of record, irrespective of race, religion or nationality. Thailand's tourism industry is fç*%"*%d and will not be recovering with this avalanche of Chinese zero-$ bus (and soon train loads) while the Southasian cake of the business shares a small bottle of Chang beer with straws on the staircase of 7/11. Allow foreign guides to help with group tours; they know their people MUCH better than Somchai with his "same same but different" language skills. Ensure better press on transport; exploding busses or other vehicles without breaks, the "scene-fleeing drivers", the drunk Yodsaks steamrollering pedestrians on a zebra intersection ....... But yeah, the dirty farang should shut up and buy what the semi-divine find appropriate. Result is, that the dirty farang go elsewhere, where the product befits his needs, the price-value ration is balanced, where some English is spoken without dual pricing ....... the list is endless. As long as the tourism authority climaxes each and every week over yet another printed lie on figures, facts and revenues which must have been dreamed up in a big smoke of seriously good week; there is no other way to assume this craziness.
      Sydebolle in Thailand News
    9. 91

      Big bike forced off road by car on Bangkok highway - video

      been here far longer than that, and no, I don't "already know " anything of the sort.
      madone in Bangkok News
    10. 314

      Hit and run got me, I'm all broken!

      The fines are too small to be a deterrent, usually 200 baht. Take someone's scooter away for a month, it probably affects their livelihood.
      Lacessit in Motorcycles in Thailand
    11. 74

      WrLife still ok?

      Online reviews are really not very helpful. Positive reviews are often posted by those who have a financial interest in the company being reviewed. Those who have had a bad experience are more likely to post a review than those who have a good or neutral experience. Some negative policyholders' reviews genuinely stem from the insurance company acting in bad faith, others come about because the policyholder did not fulfill their obligations under the policy, especially with respect to disclosure. Hard to figure out which is which based upon what is said in an online review. What every policyholder should know is the legal name, address and contact details of the insurer actually underwriting their policy as well as the financial security of the insurer and the identity of the regulator overseeing them. With the exception of financial strength rating information, this should be contained in the policy itself. Note that the broker's information, while necessary, isn't sufficient. A good way to determine an insurer's financial strength is by looking up ratings by Standard and Poor, AM Best or other rating agencies. While not all insurers submit to such analysis and formal rating, there should be little reluctance on an insurer's part to disclose their audited financial statements. I also believe that a professional insurance broker would be remiss at not having vetted in this manner an insurance company with which they place their clients' business. Reluctance to disclose financial information on the part of the insurer would be a red flag for me. What do the policies issued by WRLife the insurance broker say about the insurer that is actually providing the coverage? Is it consistent with the graphic that was posted above or with the information provided on the Nevis regulator's website? I think it may be difficult to be consistent with both, since the two sources don't appear to show the same information.
      Etaoin Shrdlu in Insurance in Thailand
    12. 8

      Expats in Pattaya nasty ?

      Yes I love talking about dederants but I never use that anti sweat one under the armpits ,I heard it can cause Cancer I carry the body spray around with me as I like to go to the gym several times a day
      georgegeorgia in ASEAN NOW Community Pub
    13. 2

      71-year-old Chinese Fugitive Arrested in Thailand after 201-Days Overstay

      No, it's visa free entry ...
      Tailwagsdog in Bangkok News
    14. 2

      Should "Ethnic Minority" be Replaced with "Global Majority"?

      There are only 2 cultures white and non-white. Funny how the wokes want a million different sexes but only two cultures.
      BritManToo in World News
    15. 3

      90 Days report starts from?

      Your starting date is August 27, 2024 so that means that 89 days later would be November 24, 2024.
      DrJack54 in Thai Visas, Residency, and Work Permits

Pre-paid Credit Card

connda
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connda Star Member

connda

Posted
Posted

I've got a credit card in the US but if I make local purchases I get hit with international transaction fees.
I'd like to obtain one of those pre-deposit, M/C or Visa credit card from a Thai bank to make local purchases.
I can tie up 100K THB as a deposit for a 100K THB credit limit which is way more than I'll ever need.  What I don't want it a bank which insists on holding double the deposit of the credit limit.

What banks in Thailand will issue a credit card with these deposit/credit limits to a farang with a yellow house book, pink ID, Tax-ID, married to a Thai woman, who came into Thailand originally on a Non-B visa (now I just stay on marriage extensions).

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BigStar Ruby Member

BigStar

Posted
Posted

The Bank of Ayudhya issued a secured credit card to me many years ago, B50000 deposit, credit limit equal to deposit amount. I assume they, and most banks, still do. I later worked for a Thai company and got a regular card.

 

A poster recently claimed that SCB would only offer a limit in the amount of half the proposed deposit. Doesn't make a lot of sense to me. Could have been his particular branch, or a misunderstanding. Must check for yourself.

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CallumWK Gold Member

CallumWK

Posted
Posted
26 minutes ago, BigStar said:

A poster recently claimed that SCB would only offer a limit in the amount of half the proposed deposit. Doesn't make a lot of sense to me.

 

I recall Kasikorn offered me one several years ago with the same conditions. Maybe now they changed.

UOB offered me one without any security, I only had to prove that I also had deposits in other banks, but I didn't need to lock up any funds.
I declined the offer coz I don't need a CC, i have an online DC, and that is all I need, as i prefer cash or pay with scan code

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lexilis Advanced Member

lexilis

Posted
Posted

A few months ago I noticed that SCB was offering a pre-payed "credit" card (MC or Visa I think) that they advertised as "guaranteed" to work  anywhere in the world, as "good as cash". This is different from a card that is secured by a fixed account deposit that you cannot touch (I have a two of these that have worked fine locally for years). I interpreted this to mean that if you are Denmark or Upper Volta or wherever then "approval' for a purchase is done locally -- they just check if you have that amount of funds still available on the card. It does not have to go back through the normal computer approval cycle. The "normal" cycle (like with the fixed-account secured cards) which goes back thorough the Thai bank and then to a MC/Visa clearing algorithm probably hosted in India. The "normal" approval cycle can fail because the charge (in, say, Upper Volta) is not consistent with your charging history as well as other reasons. At least this is my understanding. I am thinking that my next trip to the US next year I will get one of these pre-paid cards as a safety measure in case my other cards don't work.

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Bigz Advanced Member

Bigz

Posted
Posted

Check out Freedom Card. There are no fees whatsoever. With the basic tier card you get 0.3% cashback in crypto. You have the option to stake $Freedom tokens for interest and higher rates of cashback. For example if you stake 10000 bath for a year you will get 1% interest + 1% cashback in crypto. You will have to register on the Thai crypto exchange Bitazza + on the Freedom card website for this. No issues with a yellow book.

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Speedhump Gold Member

Speedhump

Posted
Posted

The only reason I can think of for having a prepaid credit card (in effect just a debit card) is that I believe some online sellers only accept credit cards although I haven't found one in a long while, even airlines accept straight debit cards these days. Also do you get some extra insurance on the purchase?

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CanadaSam Gold Member

CanadaSam

Posted
Posted

For those asking about the difference between credit and debit cards, in many countries you can not rent a car without a credit card, they do not accept debit cards.

 

That's only one difference, but a major one for me, as I prefer to rent a car at whichever airport I land in.

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Hotrats Explorer Member

Hotrats

Posted
Posted
22 hours ago, connda said:

Look like I may have to walk around to all the banks at the local Big C and have my wife ask. 
So nobody has a credit card out there who actually knows this information? 

Yes. I have had a Visa Credit Card from Bangkok Bank for many years. The credit limit is equal to the amount held on deposit by the bank.

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HighPriority Gold Member

HighPriority

Posted
Posted
On 10/17/2024 at 9:00 PM, HighPriority said:

Do you use wise for transfers ?

They offer physical and virtual Visa cards.

They are usable immediately, load your currency and spend, they handle the currency conversion at their usual good rates.

Speaking of my wise card, I awoke this morning to 3 alerts from Wise about what they thought were fraudulent transactions with my card, a couple of $aud on one and $0aud on the other two.

Definitely not my transactions so I filled in the dispute form.

Ill need to order a new card now.

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Everyman Advanced Member

Everyman

Posted
Posted

The solution is to get another credit card in the U.S. that does not charge foreign transaction fees. 

 

None of the Capital One cards do so you can start there. 

 

If you aren’t able to collect the card in person, have a trusted relative receive the card and take photos of the front and back. Then you can activate it and add it to Apple Pay or whatever the android equivalent is. 

 

I’ve done this with over 10 credit cards. 

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Everyman Advanced Member

Everyman

Posted
Posted
On 10/18/2024 at 6:04 AM, Bigz said:

Check out Freedom Card. There are no fees whatsoever. With the basic tier card you get 0.3% cashback in crypto. You have the option to stake $Freedom tokens for interest and higher rates of cashback. For example if you stake 10000 bath for a year you will get 1% interest + 1% cashback in crypto. You will have to register on the Thai crypto exchange Bitazza + on the Freedom card website for this. No issues with a yellow book.

 

Why not just buy crypto if you want crypto? Why all the extra steps? 

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Digitalbanana Ruby Member

Digitalbanana

Posted
Posted
On 10/17/2024 at 5:46 PM, BKKKevin said:

What's the difference between a regular bank debit Mastercard with and a prepaid credit card?

 

Using a debit card for online purchases can be riskier than using a credit card. This is because debit cards are linked directly to your bank account, so if your card information is compromised, fraudsters can potentially access your account and drain your funds.
In contrast, credit cards offer more protections against fraud, such as the ability to dispute charges and limit your liability for fraudulent transactions. So, while it's technically possible to use a debit card for online purchases, it's generally a safer and more secure option to use a credit card instead.
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connda Star Member

connda

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Posted
On 10/20/2024 at 6:55 PM, Digitalbanana said:

KBank provided me with a 50k limit ccard with a 50k fixed deposit account as collateral.

That's about what I'm looking for.  I'll check out the local KBank.

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lexilis Advanced Member

lexilis

Posted
Posted

I agree with DB's comment above. But also the main difference between a debit card and credit card secured by a fixed account is that when you use a debit card the charge is taken from your account directly at time of purchase. When you use the secured credit card the charge is added to your card balance which you then pay off at the end of the month or (whenever) like a normal credit card. The fixed account which secures the card never comes into play unless you fail to pay off the balance which will cause the card to be cancelled and then the fixed account is used to recover the funds. 

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