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I think they have my card flagged from a year or so ago when I must have used one of those ATMs in Patong that had been tampered with and I had it blocked back then. I hate phoning HSBCs "call centre" too. You get queued for 20 minutes then end up speaking to some Indian in Bombay.
Not such a good exchange rate in the Suria mall under the Petronas Towers...only 9.2 compared to 9.7 at the LRT station.
Just hit another problem though. Just been up to the Thai Embassy, wondered why as I approached there was no queue outside, to find it closed for Wesak Day :-( Lucky I'm here for 3 days.
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 Thai girl saying: "I have farang boyfriend...I can only go short time"
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