Whats the curent situation on Credit cards

[dizbuster]

Originally Posted by geespot

Hi Diz

statements? cheque books? 55555555555555, no seriously u have to go branch, u also get a passbook u can update at machines outside/inside the bank and at the teller counter

Marketing? that must be where u buy food, clothes etc.......they havent worked out telesales, postal marketing yet!!!!!!!!!

The address yip they asked me for that too, cant even remember what i told them

ATM card issued to you on the spot along with PIN no

G

I was being a little facitious with my last comment, as when opening a bank account in the UK, you need to prove your identity and address, i.e. utility bill etc.

OK, so Thailand may be a little different, but I am still a little sceptical about the fact that some people think you can just get on a plane, fly to a country and then stroll into a bank and open an account just like that. Banks usually (and perhaps it wasn't noted that this was the first word in my earlier post) like to know where people live and have different rules for residents and non-residents. This is also a feature today with all the new "anti money-laundering" rules that have been introduced recently. I LivinLOS stated he has had no problems opening accounts all around the world......but I think that was a case of "that was then and this is now". Things are changing all the time and whilst some borders are opening as in the case with the European Union, other borders are being tightened.

Going back to Thailand and the ease in which you seem to have opened your account, I would be a little wary of using any bank who was as casual as you state, because if they are casusal in that instance, what will they be like when it's not in your favour ? I did do a little bit of searching around the net after the replies to my post and I looked at Bangkok Bank's site whioch stated that if you are non-resident then you must have non-immigrant visa AND a work permit.

[LivinLOS]

Originally Posted by naughty boy

Not exactely. I admit it is weird. I have a mastercard, wich is not a debitcard.

Now this can be used here :

Just as a way to pay in France and SOME foreign countries.

To pay with all around the world and everywhere on internet. A special request has to be made, not very difficult to obtain!

Although this IS a creditcard, strange enough, money will be taken from your account as a debit-card.

The same card can be used WITH a real credit. But, the bank would not give this "feature" to anybody, a special request has to be made again!

So the big difference with the cards, you are refering to, that in most countrys where these cards are in use, it is issued, by your local bank and not the cc company, like Visa or Master. The Bankcard, can be used in several European countries (with higher costs for the user!), but will not be accepted worldwide, like a creditcard, upgrade is not possible!

Even in Paris, where my base is, people still use bankchecks a lot, while in other European countries, they have dissapeard!

Well while you may call it a credit card in my opinion the very definition of how they work gives them thier name..

If it debits your account when you spend.. Its a debit card.. No money in the account no way to spend (unless you bank give easy overdraft without prior arrangement)..

If it gives you credit to buy stuff its a credit card. You can spend when you dont have any money and then they charge you high interest rates on that money until some or all of the balance is paid off..

Just cause a debit card has a visa symbol on it and can be spent like a visa card doesnt change if its a debit or credit system. Its the systme of either giving credit or immediately debiting an account that makes this definition.

[naughty boy]

A debit-card cannot be turned into a credit-card. Like I said in France you have options how to use it.

Some people wish all the features of a creditcard, like paying all over the world, only needing one card in their pocket, but like to see the movents on their account every day.

A normal debitcard doesn't have the same flexibility of a creditcard, and cannot be used as a method of payement, in shops/restaurant abroad. Btw, if this French creditcard is used abroad, certainly the old manual way, it DOES give you credit. The banks will call it a "carte de credit"!!

Where you are right technically, is when the owner of the card, doesn't use any of the futures of a creditcard. But that is his own choice, most of the time.

Sometimes it are not only the English that want to do the things different!

[naughty boy]

Originally Posted by dizbuster

I was being a little facitious with my last comment, as when opening a bank account in the UK, you need to prove your identity and address, i.e. utility bill etc.

OK, so Thailand may be a little different, but I am still a little sceptical about the fact that some people think you can just get on a plane, fly to a country and then stroll into a bank and open an account just like that. Banks usually (and perhaps it wasn't noted that this was the first word in my earlier post) like to know where people live and have different rules for residents and non-residents. This is also a feature today with all the new "anti money-laundering" rules that have been introduced recently. I LivinLOS stated he has had no problems opening accounts all around the world......but I think that was a case of "that was then and this is now". Things are changing all the time and whilst some borders are opening as in the case with the European Union, other borders are being tightened.

Going back to Thailand and the ease in which you seem to have opened your account, I would be a little wary of using any bank who was as casual as you state, because if they are casusal in that instance, what will they be like when it's not in your favour ? I did do a little bit of searching around the net after the replies to my post and I looked at Bangkok Bank's site whioch stated that if you are non-resident then you must have non-immigrant visa AND a work permit.

You see, there are things we do agree on. I travel, to many destinations, and stay weeks/month for the job there. I never open an account.

This is fine for some people, going every year to Thailand for several months. But if you have to open an account just for the weeks spending your holliday....I would like to spend my holliday-hours another way.

[Mav]

Originally Posted by Mav

I do use my Credit Card all the time in Thailand and have been lucky enough not to have been stung.........will continue to ride my luck.....might ring my Bank prior to my next trip just to cover myself.

Well l knew l should not have opened my BIG mouth.....had my credit card cancelled by my Bank yesterday.....apparently 17 transactions were attempted from different outlets in Malaysia.....l have never been to Malaysia....at Xmas used my card once in Singapore....and about 3 times in Patong.

Geezer at the Bank thinks that somehow a copy was made when it was swiped somewhere.

Only have one suspect........relates to Dragon Gogo whilst hanging out with Malaysian & Alfie....l swiped the card down a bg's ****....Malaysian then BF'd her.....and the most of the suspect transactions were processed in KL......Calling Inpector's Dawes, Ally & Faulty....think this case might be wrapped up quickly.

[les1999]

Hi all,

Very interesting details on the CC scams but how about the 'old' travelers cheques, do they still work..?????

[les1999]

Sorry Garybar but I'm new on here and must have missed it...!!!!

[Coolhand]

Originally Posted by les1999

Sorry Garybar but I'm new on here and must have missed it...!!!!

On the bar at the top of the page you will see a search facility, to help you find threads, etc., but in the meantime - here ids the thread: http://www.phuket-info.com/forums/ge...hlight=cheques

[Coyotee]

Originally Posted by Mav

Well l knew l should not have opened my BIG mouth.....had my credit card cancelled by my Bank yesterday.....apparently 17 transactions were attempted from different outlets in Malaysia.....l have never been to Malaysia....at Xmas used my card once in Singapore....and about 3 times in Patong.

Geezer at the Bank thinks that somehow a copy was made when it was swiped somewhere.

Only have one suspect........relates to Dragon Gogo whilst hanging out with Malaysian & Alfie....l swiped the card down a bg's ****....Malaysian then BF'd her.....and the most of the suspect transactions were processed in KL......Calling Inpector's Dawes, Ally & Faulty....think this case might be wrapped up quickly.

I don't use my credit cards in Patong (being a Malaysian! I only use 100 baht notes ...looks like you try to impress the lady in question and being a good friend i bf her FOR you ....hmmmmmm looks like, in your inerbriated state, you were waving your card to all the girls trying to grab their attention...well, you certainly got some attention but not from the girls

M

[Coyotee]

Originally Posted by Alfie

Hahahahaha...
So you swiped and M "inputed" her.
Maybe M has some sort of camera that goes inside that took pictures of your swipe.

Saw that the cc was overdrawn...and i had to throw away the data...useless!!!!

M

[Mav]

Originally Posted by Malaysian

I don't use my credit cards in Patong (being a Malaysian! I only use 100 baht notes ...looks like you try to impress the lady in question and being a good friend i bf her FOR you ....hmmmmmm looks like, in your inerbriated state, you were waving your card to all the girls trying to grab their attention...well, you certainly got some attention but not from the girls

M

Looks like l will have to grab the scissors and cut the card up......and if l get caught in Dragon again....tillac will grab the scissors and give them another workout

[naughty boy]

Originally Posted by Mav

Well l knew l should not have opened my BIG mouth.....had my credit card cancelled by my Bank yesterday.....apparently 17 transactions were attempted from different outlets in Malaysia.....l have never been to Malaysia....at Xmas used my card once in Singapore....and about 3 times in Patong.

Geezer at the Bank thinks that somehow a copy was made when it was swiped somewhere.

Only have one suspect........relates to Dragon Gogo whilst hanging out with Malaysian & Alfie....l swiped the card down a bg's ****....Malaysian then BF'd her.....and the most of the suspect transactions were processed in KL......Calling Inpector's Dawes, Ally & Faulty....think this case might be wrapped up quickly.

I wonder if it is not the ATM who did this to you!

I heard from many people who had the same problem, that they only used ATM and on Bangla road.

[Mav]

Well....another one of my credit cards has been stolen from my post box and used fraudulently....that's 2 this week ......still have 2 other Credit cards to go.

[jo_]

Originally Posted by dizbuster

I was being a little facitious with my last comment, as when opening a bank account in the UK, you need to prove your identity and address, i.e. utility bill etc.

OK, so Thailand may be a little different, but I am still a little sceptical about the fact that some people think you can just get on a plane, fly to a country and then stroll into a bank and open an account just like that. Banks usually (and perhaps it wasn't noted that this was the first word in my earlier post) like to know where people live and have different rules for residents and non-residents. This is also a feature today with all the new "anti money-laundering" rules that have been introduced recently. I LivinLOS stated he has had no problems opening accounts all around the world......but I think that was a case of "that was then and this is now". Things are changing all the time and whilst some borders are opening as in the case with the European Union, other borders are being tightened.

Going back to Thailand and the ease in which you seem to have opened your account, I would be a little wary of using any bank who was as casual as you state, because if they are casusal in that instance, what will they be like when it's not in your favour ? I did do a little bit of searching around the net after the replies to my post and I looked at Bangkok Bank's site whioch stated that if you are non-resident then you must have non-immigrant visa AND a work permit.

Thats kinda true my husband had to show his work permit to open an account. He did not have one at that time and the bank opened the account anyway. Passport was enough.

[janner]

All,
Just a warning......
Back from LOS for a couple of months, and someone in China has decided to have a lovely day out at my expense!!
No big deal - bank stopped the card right away, sent me a new one immediately and refund on its way. This is not uncommon and could have happened anywhere, but I suspect it was either Hotel or ATM machine?? as never showed the card elsewhere??????

[Nautilus]

This is scary. I travel quite a lot, and only in Thailand and Bali i dont use my credit card, everything is cash.

I dont really stay long on my trips, so i dont need lots of cash, just enough to get by for that week.

So what advise should i giv my friends back home who want to stay long term?

Only use ATM?

What is the limit of cash one can bring in to Phuket?

[aussie dollar]

had one of mine skimmed,in KL they believe it was copied
only used at the airport.
no lost to me bank covered it.
I always let my bank know the dates of overseas travel,they ring me if used overseas when I havnt advised them.
so IMHO its a good idea to give them info when going on hols.

[Mav]

Originally Posted by Mav

Well....another one of my credit cards has been stolen from my post box and used fraudulently....that's 2 this week ......still have 2 other Credit cards to go.

Just noticed to more transactions come thru from my old card which was cancelled in February.......l will be very wary about using my Credit card in Asia again......the fraud is rife IMO.....not worth the bother.