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BANGKOK 22 July 2019 18:35

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Does anybody have any advise  on using USA Credit Card Co while living here under the retirement or marriage visas!

I have my mailed sent to a relative in the USA,so I can meet that physical residence requirement and USA mailing address as well.

My concern is do they start  to question travel alerts after so many years?If you want you can PM me.

Thanks

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I use a mileage Citicard and they know I live here....no problem. But I had it in the states for years before I moved here.....they seem fine with it.

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I have heard some people say  that they have had issues with Charles Schwab(atm debit card). They have gone on to say not to mention your living out of the country! Anybody heard anything about this issue

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I have used both my Capitol One and American Express Cards here for 8 years in retirement without issue. All charges and my card balances taken care of online.

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I use my USA credit card here and have for years without problems.  At first I communicated with them regularly about my travel habits which avoided location alerts affecting acceptance.  I told them I had second home in Thailand.  Now with the BK BANK transfers through NY not working I use the card extensively and have one for my wife as well.  It works well and is a major part of my financial program.

I also pay it in full each month.

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I have Citibank Visa and MasterCard credit cards issued by Citibank Thailand for the last 25 years. No  problem.

 

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And just for example regarding travel notification by certain card companies, if you have a Capital One credit card, log onto your online acct and then select "Travel Notification" like you wanted to tell them your will be traveling to exotic places like Thailand, below is the popup message given.

 

image.png.8a32d0d52e50ee0daab81d7639a69d8b.png

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I have a US Citibank Visa and MasterCard the last 30 years and never s problem.  I go dislike the poor FX rate they give you and the added overseas usage charge.  Do there are better ways

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Posted (edited)
2 hours ago, Estrada said:

I have Citibank Visa and MasterCard credit cards issued by Citibank Thailand for the last 25 years. No  problem.

 

Likewise. I update my travel alerts on line from to time , but even if I forget, I've never had a problem using them.

 

If asked, always specify using Thai baht for the amounts being charged. Charging in dollars results in poorer exchange rate. 

Edited by Suradit69
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I use my Thailand address with American Express and visa card. Never had a problem. When you purchase in Thailand you get foreign transaction fees. I prefer the cash back cards.

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Posted (edited)
2 hours ago, Pib said:

And just for example regarding travel notification by certain card companies, if you have a Capital One credit card, log onto your online acct and then select "Travel Notification" like you wanted to tell them your will be traveling to exotic places like Thailand, below is the popup message given.

 

image.png.8a32d0d52e50ee0daab81d7639a69d8b.png

 I heard so much about Schwab's atm privileges! I just signed up for a high yield checking and brokerage account that offers a debit card with Schwab,unfortunately only 1k per day withdrawals.  As a second option I recently signed on with Capitalone checking account that offers a debit card with no FTF or Atm fees,Thai bank atm fees can't be avoided. I have a Transferwise debit card but haven't used it.

 

Since the New York BKK bank changed their transfer policy, I had to adjust. I don't want to be canceled for some overly protected fraud departments concerns that I, in their opinion, have abused my privileges for overly using their no fee atm access or having issues with them verifying who I am through their verification process ,especially over the phone. I like the fact they use email codes,safe passes and safety keys. 

 

Edited by riclag
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2 hours ago, riclag said:

  As a second option I recently signed on with Capitalone checking account that offers a debit card with no FTF or Atm fees,Thai bank atm fees can't be avoided.

You may know, but your Cap1 Mastercard debit card allows $5K per day/transaction "at the counter."  Another $1K at an ATM.   I use the Cap1 debit card for counter withdrawals....periodically I withdraw $150K (approx $4700) at the counter and have it directly deposited to my Thai bank account.  Absolutely zero fees on both ends....full MC exchange rate...money immediately in my bank account....beats any money transfer service such as Transferwise/SWIFT/ACH for most baht at the least cost and definitely the fastest.

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