Atm Fraud - Lawyers

[tolsti]

A number of my work colleagues, both Thai and other nationalities, lost a considerate amount of money about 2 months ago with the BKK bank cards being skimmed.

The branch where they all held their accounts agreed to issue all concerned with a new BKK bank card which is secured by chip and pin. This was free of charge providing people approached them within a certain timeframe .

The only problem was that they only work in BKK bank ATMs......

I changed to K Bank with their instant SMS service a while ago, given that the usual withdrawal attempt Is a low value 'tester' you could get your account blocked before any real damage.

[ekkamai]

I use an atm alot to draw for my daily expences . But I have two accounts I keep the bulk of my money in the account that does not have an atm card and transfer it at the bank. Your atm card could have been scaned about anywhere I have also read where there are devices now that can read the card while its still in your wallet so whats safe anymore who knows ....

I do the same, and have done for years. 2 accounts, one for the bulk and the other for daily expences. Net banking for transfers between the two. So far I've had no problems, and I hope to stay that way.

[Pillion]

The ATM has been authorised by the Bangkok bank as their aproved method

of communication so of course the Bangkok Bank can be liable. They of

course have a claim against their agent who supplied th atm.

Thai banks typically don't accept financial responsibility for account fraud even when their own employees are directly responsible.

So I doubt very much any bank here is going to accept financial responsibility if one of their ATMs is surveiled or has a skimming device attached, and then a fraudulent withdrawal is made from a different bank's ATM.

And frankly, the OP doesn't know, and probably has no way of proving, how or where his card info was compromised.

This below is one of my favorite paragraphs from the news report above about a Thai woman who lost 100+ million baht from her SCB account, apparently by a criminal bank manager...

>However, the bank would like to reassure customers that it has

operated for more than 100 years, and customers should understand that

this case involves only one staff member. The bank itself has not been

found to be at fault for any wrongdoing related to this matter, and is

fully cooperating with the police to clear the injustice in this case.

Pol. Col. Prasopchok said he would like to warn people to keep track

of the money in their bank books and should not rely on any one person

at the bank, including a manager of the bank, to oversee their accounts.

Because when the problem occurred and the manager could not be

contacted, the bank could not quickly inspect how much money was in

account and what business transactions had been

done.

I'm sure everyone involved feel much better hearing that answer from the bank.

Needless to say, never found any follow-up news report indicating whether or not the victim got any of her funds restored.

You made a very excellent point here with

"And frankly, the OP doesn't know, and probably has no way of proving, how or where his card info was compromised."

It could have been stolen any time in the recent past.

Thank you everyone for your posts.

To reply to the above, true there is no way of proving when and where it got skimmed but it does seem a little strange why they didn't take all my money out the day I got paid. Not that that will prove anything but just a thought.

[DGS1244]

Sorry to hear about your loss. Hope it works out and you get your money back.

Things to do to protect yourself from this kind of thing in the future:

1) Set a low daily limit on your ATM card. (If you need more, take bankbook and passport to your branch).

2) Set up SMS notification for all activities over 1000THB for all your accounts.

3) Set up 2-part authentication for all online transactions over 1000THB. This means the bank sends a code to your mobile phone that you have to type in on your web session. Thieves have to steal your password AND your phone.

Constant vigilance is the price we pay for not getting robbed.

This makes perfect sense, I to have set up a low figure for daily withdrawals from my Thai Bank, when I do use a ATM it is in a 24 hr occupied area. To me it sounds like the card may have been copied somewhere else during a previous use, in house employees also have to be considered. I had a problem using a Thai bank with a ATM machine that did not give me any money but deducted it from my foreign account, after a few calls and form filling the money was credited to my account within 5 days, a real miracle for Thailand. One other thing which Airport Plaza was it?, there are several in Thailand.

[djvolak]

1. The normal daily withdrawal via ATM is 50,000 baht - this is not the US or USA with only a small daily limit as the norm.

Even in Thailand, I can only withdraw up to 300 USD using my ATM card (US bank account). So if my card were ever stolen my bank would never give them $1000+ even if they had my pin.

I thought that too but got my card skimmed at an ATM at a Bank in Mexico. I saw the hits the next day and it was already over 1000 us. They were hitting it for 235 a few times then 345 a few times but like 2 in a row then 2 more. I could not believe they let the charges go on like that but they said well you had us open the card for travel. Ahhhhh. Be aware of opening your card to travel as it means others can pull over the regular daily amount when they skim your card. My card was from Regions bank and they refunded all no problem only took a month after I got in there to do the paperwork. Stay safe all!

[mic59]

I had this problem once. It was not with an ATM but an internet account but the same concept. What I did was have most of my money in one account and only transfer to the internet account the amount I needed. So there was never any available to be scammed, the rest was in an account which had no PIN so any unauthorized access could be easily traced by the bank.

[maanoi]

Few weeks back i tried to withdraw 20k at a KTB atm. It made the regular noise as it counted the money but then instead of it coming out of the machine it made a clicking sound then an error in thai appeared on the screen. It then spat my card out but no money.

I have sms alerts setup on my account which sends me an sms the instant money is withdrawn or deposited (everyone needs to set this up).

I received an sms alert to say that 20k had been withdrawn. Im thinking ohhh crap. Anyway i just called the bank explained what happend and 10 mins later i had the money back in my account.

KTB have always been really easy to deal with for me. Ive also used kasikorn and scb both of which were a massive pain in the ass

[lannacountryboy]

Go back to the primitive way...never use a credit or debit or atm card. Just plain old passbook as the mall open till late anyway even n Sunday.

[Plastic Brontosaurus]

Just my 2 cents...

Sorry did not read all entries so perhaps some duplicate input:

ATMs in other countries are compromised from the inside: maintenance staff install a scanner and related kit *inside* the ATM and skim off the card strip and the PIN. This happened to friends of mine in Brazil who only used their (overseas) card in one ATM and had their entire holiday budget removed. It was later confirmed the ATM was rigged and many people had been duped. I haven't heard about this one in Thailand but it is only a matter of time, of course.

In Europe, for years it has been popular to "skim" cards. You are at a restaurant or a petrol station and want to pay your bill. The cashier takes your card and it disappears behind the desk - you cannot see it. Meanwhile the cashier swipes it through a small scanning device that copies the magnetic strip. Next the card is swiped in the legitimate payment device. Then he/she either visually records and memorises your PIN, or a small camera is rigged up somewhere and records it. You leave, and within the next hour the details are transmitted to another location (often simply sold) and your account plundered using an ATM, often in a different country. Because it is in another city or country with no link to the original skimming location, you don't know where you were skimmed.

I have been the victim of a "dumb scam" in Phuket - there's a red bank's kiosk outside Jungceylon where they change forex and there's an ATM there. Stuck an overseas card in and went for the max (25K baht) withdrawal as I would get hit with the forex charge from my overseas bank so always go for the max. ATM appeared to go thru its paces and I heard the money being counted/prepared inside the machine. Then a click and a beep. Something along the lines of that the transaction could not be completed appeared on the screen. Card was spat out. No money. No printout. However the girl that sat at the forex window at that kiosk went behind the ATM and did something, then went back to her chair. I inquired but got nowhere, she pretended not to understand (of course). Went to a nearby Bangkok Bank ATM and sure enough the money had been debited. My take was that the ATM was rigged and it stopped after counting the money, which could then be conveniently removed from the back of the ATM before spitting it out. Went to the police and did a report, and eventually got the money back from my Australian bank, which was good luck. But it was clearly a scam, probably a very profitable one given the many falangs in the area (mostly tourists so most would go for the max withdrawal).

In New Zealand there was a scam a while back whereby the culprits fitted a kind of sleeve over the ATM card intake. This then copied the card on its way into the ATM. They also fitted a small transmitting camera in the top of the ATM over the keyboard. This recorded the PIN of the users. Surprisingly, many people did not notice the "sleeve" and simply went about their money withdrawal as per usual. Next their accounts were skimmed. This typically done by Eastern Europeans (Romanians, Bulgarians and sometimes Russians) who fly around the world to do this everywhere they can.

Someone said that cards can be scanned whilst still in your wallet. This is only the case with the latest types such as Visa PayWave that are issued in Australia and parts of Asia far as I know - they are effectively proximity cards that can apparently be read with a remote long-distance "gun" to some extent (much like the Bluetooth guns that can access phones that have their Bluetooth switched on from a few hundred meters away). Not sure however to what degree the cards can actually be copied this way.

The problem with using foreign cards is that they are hard to replace if they get scammed or stolen or lost. So best to use a Thai card. But with a low balance.

Moral of the story: keep two Thai bank accounts with different banks. One is used to store money, the other for ATM and payment purposes. You transfer from the one to the other as required. Never keep more than say 10K baht in the ATM account... (unless you can afford to lose it).

[Locationthailand]

Solution:

1. Bend over

2. Place your head between your legs

3. Kiss your ass goodbye.

Money is gone and at 30,000 THB you will not get the bank or a lawyer to do anything. Sorry to say but it is an expensive lesson.

[theajarn]

There is a post going around on Facebook from a former EMPLOYEE of HSBC who had her account cleaned out. Long story short: this girl followed protocol, checked for skimmers on the machine and everything -- COULDN'T FIND ANY. There's a new method in place now folks -- and it doesn't involve skimmers. Most probably it involves a computer and/or communications device being attached to the ATM (the ATM is essentially just a PC itself) -- a hardware virus in a sense. Or perhaps it could even be a software virus injected into the ATM somehow. Whatever it is, you better assume ANY ATM outside a bank is susceptible.

I think it's high-time I move my savings to a checking account... WITHOUT an ATM card.

[super22k]

What a nightmare situation.Is there no bank Ombudsman like we have in England?.Maybe,your consulate can advise and help you.

In Cairo (before the political troubles)a policeman would sit in a chair facing away from the ATM machine in the centre of the city.No problems at these ATMs.

In London there is a line painted on the pavement which the person behind you must not cross until it is their turn. Only a few banks do this.It stops people looking over your shoulder.

[stoli]

1. The normal daily withdrawal via ATM is 50,000 baht - this is not the US or USA with only a small daily limit as the norm.

2. Although police may get a photo they are not likely to be able to do much beyond that. In our case of a withdrawal in Chiang Mai "looks like a hill-tribe person".

3. A normal ATM card with mag tape is not going to be copied in your pocket.

4. Have you used that card for any thing other than ATM use? Skimmers are found on ATM's but it is not as common these days as most machines are protected and inspected often. But always best to use in or outside bank for even less chance. And always try to cover fingers when putting in PIN. It won't prevent a keyboard tap but will work for most camera or personal observation. Also good to change often (you can easily do at the ATM).

5. Do not believe lawyer would be worth the cost - but I would continue to try and convince account holding bank to make good if they did not try to provide a chip type ATM card for your account (which can prevent such skimmers and which Bangkok Bank has available). If they had offered this and your chose not to use suspect you would have a hard time even with a lawyer.

It is a real pain and often a shock that banks here do not offer the protection we may have believed. But in fact most of us have never had this happen and probably will not.

Good article on how to protect your credit cards while they are in your pocket

http://blog.unibulmerchantservices.com/how-criminals-can-steal-your-credit-card-without-ever-touching-it/

Thank you. I was going to find this link and post it myself. When lopburi3 said it can't be done, I was worried that poeple would believe that and be satisfied. They can easily be read in your pocket.

[aalek85th]

I have a foreign card and access via internet to the "checking" account and "card account". I keep all my money on the checking account, when I want to withdraw.. I log in, transfer from checking to card account, find ATM, get all that money i transferred in cash.

So except for about 20 minutes time, my card account is always empty. On most of the ATMs the default limit is 10k, on some it's 20k.

For about a year now, never had any problems with using this technique. And scammers.. need to be pretty damn lucky to know which day at what time I'm gonna do this. I dare say - impossibly lucky.

I know this isn't suitable for everybody, but I reckon something similar could be done to drastically minimize scammers chance of getting your money. Even if they have card info/pin/whatever.

[dighambara]

"The bank then sent us back to the police with the ATM number for them to investigate further as the ATM isn't a Bangkok Bank ATM."

"I feel that this is Bangkok Bank's responsibility as it was their ATM that had been scammed"

????????

Accounts linked to ATM cards are best kept with very small balances to minimize any possible losses, particularly since few people read/understand what their contract with the bank says about who is responsible for losses under the various possible situations of loss.

Sometimes these problems here are not a card scanner but a bank employee.

Anyway, you might benefit from working this further with your bank and possibly the police before you try to get a lawyer.

I use an atm alot to draw for my daily expences . But I have two accounts I keep the bulk of my money in the account that does not have an atm card and transfer it at the bank. Your atm card could have been scaned about anywhere I have also read where there are devices now that can read the card while its still in your wallet so whats safe anymore who knows ....

Excellent responses.

YES, portable scanners are now small enough to be in a briefcase and can scan from many feet away. The best protection is to keep very little in an ATM machine. Much banking can now be done via the internet. NEED MONEY - use a computer to transfer and an ATM to put it in hand..

[theajarn]

I have a foreign card and access via internet to the "checking" account and "card account". I keep all my money on the checking account, when I want to withdraw.. I log in, transfer from checking to card account, find ATM, get all that money i transferred in cash.

So except for about 20 minutes time, my card account is always empty. On most of the ATMs the default limit is 10k, on some it's 20k.

For about a year now, never had any problems with using this technique. And scammers.. need to be pretty damn lucky to know which day at what time I'm gonna do this. I dare say - impossibly lucky.

I know this isn't suitable for everybody, but I reckon something similar could be done to drastically minimize scammers chance of getting your money. Even if they have card info/pin/whatever.

That's precisely what I do.

[theajarn]

"The bank then sent us back to the police with the ATM number for them to investigate further as the ATM isn't a Bangkok Bank ATM."

"I feel that this is Bangkok Bank's responsibility as it was their ATM that had been scammed"

????????

Accounts linked to ATM cards are best kept with very small balances to minimize any possible losses, particularly since few people read/understand what their contract with the bank says about who is responsible for losses under the various possible situations of loss.

Sometimes these problems here are not a card scanner but a bank employee.

Anyway, you might benefit from working this further with your bank and possibly the police before you try to get a lawyer.

>I use an atm alot to draw for my daily expences . But I have two accounts I keep the bulk of my money in the account that does not have an atm card and transfer it at the bank. Your atm card could have been scaned about anywhere I have also read where there are devices now that can read the card while its still in your wallet so whats safe anymore who knows ....

Excellent responses.

YES, portable scanners are now small enough to be in a briefcase and can scan from many feet away. The best protection is to keep very little in an ATM machine. Much banking can now be done via the internet. NEED MONEY - use a computer to transfer and an ATM to put it in hand..

And though it is common sense -- ONLY use YOUR OWN computer for internet banking. NEVER use internet cafe's, work computers, libraries, schools and pretty much anything else that isn't kept with you at all times.

...and make sure you don't surf porn sites with said computer either.

[MagicMax]

Yeah my card got scanned but I don't have a Thai account. The thieves withdraw nearly £1000 in 4 withdrawals at a supermarket in Vietnam and another payment somehow.

Luckily I am with HSBC in the UK and they realised and blocked my card so I had to be in front of an ATM and call them to get any cash until I went back to Europe. They refunded the money and launched their own investigation.

The same thing happened to me in Heathrow airport of all places with the same result.

[thaibreaker]

Thanks for the posts everyone. And here I thought the safest place for my ATM cards, was in my wallet..

I also thought my Bangkok Bank Debit Visa only could be used as an ATM card, not as a POS purchase card..

The fact is that as long as the signing of POS purchases is a joke (the employees only wants to get the sale done), my cards have been most unsafe during all my time in Thailand..

This was a wake up call for me, off I go to my bank, to open another account, not connected to any card. In addition I will set the limit of my existing ATM card to zero when it comes to POS purchases. And keep small amounts available there.

I see many of you have already done it, I would never have, if it wasn`t for these posts..

I always thought I easily could spot an ATM machine with skimming equipment, but now it seems to be more sofisticated ways to get away with this, also while your cards rest in your wallet..

"The bank then sent us back to the police with the ATM number for them to investigate further as the ATM isn't a Bangkok Bank ATM."

"I feel that this is Bangkok Bank's responsibility as it was their ATM that had been scammed"

????????

Accounts linked to ATM cards are best kept with very small balances to minimize any possible losses, particularly since few people read/understand what their contract with the bank says about who is responsible for losses under the various possible situations of loss.

Sometimes these problems here are not a card scanner but a bank employee.

Anyway, you might benefit from working this further with your bank and possibly the police before you try to get a lawyer.

>>I use an atm alot to draw for my daily expences . But I have two accounts I keep the bulk of my money in the account that does not have an atm card and transfer it at the bank. Your atm card could have been scaned about anywhere I have also read where there are devices now that can read the card while its still in your wallet so whats safe anymore who knows ....

lockquote>

Excellent responses.

YES, portable scanners are now small enough to be in a briefcase and can scan from many feet away. The best protection is to keep very little in an ATM machine. Much banking can now be done via the internet. NEED MONEY - use a computer to transfer and an ATM to put it in hand..

And though it is common sense -- ONLY use YOUR OWN computer for internet banking. NEVER use internet cafe's, work computers, libraries, schools and pretty much anything else that isn't kept with you at all times.

...and make sure you don't surf porn sites with said computer either.

[kiniyow]

Sorry to hear about your loss. Hope it works out and you get your money back.

Things to do to protect yourself from this kind of thing in the future:

1) Set a low daily limit on your ATM card. (If you need more, take bankbook and passport to your branch).

2) Set up SMS notification for all activities over 1000THB for all your accounts.

3) Set up 2-part authentication for all online transactions over 1000THB. This means the bank sends a code to your mobile phone that you have to type in on your web session. Thieves have to steal your password AND your phone.

Constant vigilance is the price we pay for not getting robbed.

I tried to get SMS service3 but Bangkok Bank does not offer this service..Was told this at 2 different branches..No SMS alerts so Mai Pen Rai

[koo]

I have seen adverts of Thai banks' new cards, and all of them seem to have chips on them. When will they start rolling out chip ATM's? Chips are a nightmare for skimmers, since the chip can not be copied, and the card does not go far enough inside the ATM for the magstripe to be copied either. Quite secure for the cardholder, imho.

The only way to "skim" a chip card is to somehow obtain the PIN and then steal the original card...

Edited March 16, 2013 by koo

[fxe1200]

Go back to the primitive way...never use a credit or debit or atm card. Just plain old passbook as the mall open till late anyway even n Sunday.

That's it. My Thai bank offered me an ATM card several times, but I consistently refused. I always told the clerk in charge: "If everybody would have a bank card, you probably would have lost your job already. Therefore you can be happy for everybody, who rather enjoys the service of a human being."

When I need money, I just walk over to my branch, knowing the times, when the place is almost empty, and get the cash from my passbook.

[Gerryasia]

I use an atm alot to draw for my daily expences . But I have two accounts I keep the bulk of my money in the account that does not have an atm card and transfer it at the bank. Your atm card could have been scaned about anywhere I have also read where there are devices now that can read the card while its still in your wallet so whats safe anymore who knows ....

If this is true we have reached the days of x-ray vision, so what else are they looking at and, where do we buy into such equipment because most will want one !

If your card has a non-swipe scan feature, shown as a speaker ))), on your card, it is susceptible to being scanned, by criminals, while inside your wallet, unless it's wrapped in tin-foil. This was a news item in LA last week '_' Edited March 16, 2013 by Gerryasia

[unanimosity]

Why are you wasting time with the police? The bank is responsible to you if they allowed funds to be withdrawn from your account by anybody but you. These perps stole money from your bank. The bank should have immediately sought cooperation from the bank owning the ATM to recover video of tthe illicit transaction. Then it is for your bank to pursue the perps via the police. Have you no evidence of being somewhere else other than at the ATM at the time of the withdrawal? What about your cell phone tracking? My gosh, this is not rocket science, just common sense.

[muchogra]

Seems to me that the OP has a local account which he uses the ATM card. I get a bit annoyed when the OP stated that some bank employee told hi that his wife or gf used it to withdraw the money. It sounded discriminatory to me!

Forget about a lawyer. Lawyers with righteousness in Thailand are virtully nonexistent.!

The only option you have is keep pressing the bank for what had happened to you. Tell them you will make a poster and parade in front of the bank. Now, this is very important: make sure you let the top honcho know because most ordinary employees are like living deads and wouldn't care less!

It's also not quite true that there's a 20k limit per day. I had 500k a day limit (direct debit) when I opened my accounts in CM without my knowing. I had it changed to 20k per day after I learned about it.

[TallGuyJohninBKK]

A number of my work colleagues, both Thai and other nationalities, lost a considerate amount of money about 2 months ago with the BKK bank cards being skimmed.

The branch where they all held their accounts agreed to issue all concerned with a new BKK bank card which is secured by chip and pin. This was free of charge providing people approached them within a certain timeframe .

The only problem was that they only work in BKK bank ATMs......

I changed to K Bank with their instant SMS service a while ago, given that the usual withdrawal attempt Is a low value 'tester' you could get your account blocked before any real damage.

Yes, that's the downside with the BKK Bank microchip ATM cards -- totally incompatible with all other Thai bank ATMs, and also incompatible with ATMs in many locations outside Thailand.

But if one only ever needs or expects to use the card in BKK Bank ATMs, then from a security standpoint, that's the way to go.

As an aside, BKK Bank has a variety of notification options, particularly for things like bill pay or account to account transfers. But I haven't seen one in their set-up that will give instant SMS notification of ATM cash withdrawals. Do they even have that capability?

PS - It sounds like your work colleagues didn't get any of their lost funds restored by the bank???

Edited March 16, 2013 by TallGuyJohninBKK

[TallGuyJohninBKK]

unanimosity, on 16 Mar 2013 - 22:44, said:

Why are you wasting time with the police? The bank is responsible to you if they allowed funds to be withdrawn from your account by anybody but you. These perps stole money from your bank. The bank should have immediately sought cooperation from the bank owning the ATM to recover video of tthe illicit transaction. Then it is for your bank to pursue the perps via the police. Have you no evidence of being somewhere else other than at the ATM at the time of the withdrawal? What about your cell phone tracking? My gosh, this is not rocket science, just common sense.

You're living in a dream world, or at least, certainly not in Thailand.

As I explained above, the standard policy among pretty much all Thai banks is that the bank card holder is responsible for anything that happens with their card -- up to whatever daily limits may apply -- until five minutes AFTER they have notified the bank that the card has been lost, stolen, compromised, etc. Anything that happens before such a notification comes out of the cardholder's pocket.

The bank or banks don't care where the OP was or wasn't at the time of the transaction, or who may have used the ATM -- him, a family member, the local police officer, a thief, etc etc... All they care is, the money was withdrawn from his account and it's his problem, not theirs.

Edited March 16, 2013 by TallGuyJohninBKK

[TallGuyJohninBKK]

I have seen adverts of Thai banks' new cards, and all of them seem to have chips on them. When will they start rolling out chip ATM's? Chips are a nightmare for skimmers, since the chip can not be copied, and the card does not go far enough inside the ATM for the magstripe to be copied either. Quite secure for the cardholder, imho.

The only way to "skim" a chip card is to somehow obtain the PIN and then steal the original card...

Curious...I was just looking at Kasikorn Bank's website, which shows a variety of their debit and credit card products.

Looking at the various debit cards, I saw no sign or mention of any chip capability.

http://www.kasikornbank.com/EN/Personal/Debit/Pages/KDebit.aspx

But looking at their credit cards, I saw them promoting chipped cards "with enhanced security against credit card fraud up to international standards" and the ability to do cash advances at Kasikorn and Thai ATM Pool ATMs....

http://www.kasikornbank.com/en/personal/credit/pages/master.aspx

The problem with that is, a lot of farangs in Thailand don't have/can't access Thai bank credit cards because typically, work permits are required for credit cards, whereas debit/ATM cards are held by pretty much everyone.

--Looked at the Siam Commercial bank web pages for their debit and credit cards... no mention in English of chipped cards. But they have web images of both their credit cards and debit cards that appear to show chipped cards. Dunno if they're actually available or not.

http://www.scb.co.th/en/personal-banking/deposit

--Re Bank of Ayudhya, their various debit and ATM card offerings don't appear to show any chipped cards...

http://www.krungsri.com/en/consumer-listing.aspx?pid=132

But their various credit card products are showing photos now of chipped cards.

http://www.krungsri.com/en/consumer-listing.aspx?pid=134

Edited March 16, 2013 by TallGuyJohninBKK

[TallGuyJohninBKK]

BTW, here's an example of the cardholder liability policy used by Bank of Ayudhya for its Krungsri credit cards...

1.11 If the Card is lost or stolen, or is used by other person (whether
through the use of the Card or not), the Cardholder must immediately
notify the Company to suspend the use of the Card and cancel the
relevant PIN Number. The Company shall suspend the use of the Card
within 5 minutes from the time of such notification where the Company
will be responsible for any amount incurred after the time of such
notification in the amount not exceeding Baht 50,000. The Company will
transfer the actual amount to the Cardholder via the Cardholder’s Credit
Card account within 45 days from the date the aforementioned notice has
been sent to the Company. In the absence of such notification from the
Cardholder and the Card is used by other person or dishonestly notify
and/or the loss is occurred by the Cardholder’s negligence, the
Cardholder shall be responsible for all incurred debts. In the case of
cash advance withdrawal, the Cardholder agrees to repay to the Company
together with the cash advance fees until the time of such
aforementioned notification and the Company has suspended the use of the
Card. The Cardholder shall be liable for any debts occurred before such
notification (including, but not limited to, the cash advance fees).
However, after the Company later inspects and proves that any incurred
debt (either prior to or post notification) is due to the act of the
Cardholder or the Cardholder is related to the occurrence of such debt,
the Cardholder agrees to be responsible for all of such debts. If the
Cardholder request the Company to issue a Card replacement, the
Cardholder shall be responsible for any expense and debt incurred from
the use of the Card (for the amount responsible by the Cardholder). In
addition, the Cardholder agrees to pay a card replacement fee for the
issuance of a new card at the rate announced by the Company. If the
Cardholder retrieves the lost Card after notifying the Company, the
Cardholder shall cut the retrieved Card in half to prevent further use
of the Card.

http://www.krungsricard.com/kccstatic/en/creditcard_goldandclassic.html#content6

[TallGuyJohninBKK]

Here's the cardholder liability policy for Siam Commercial's credit cards:

http://www.scbcreditcard.com/term.aspx