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As an expat, do you live here without any form of credit ?


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  • patman30 changed the title to As an expat, do you live here without any form of credit ?
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While I am also debt free, I can't imagine the complexity of booking hotels, flights, and paying for online products and services without credit cards.   I would not use a debit card to pay

I use Bangkok bank visa credit card secured with a cash deposit.  makes booking hotels, flights and buying stuff much easier. balance is paid in full automatically every month so there is no

Zero debt, no credit card (all debit - on purpose). Pay mostly cash.     Being a debtslave is the last thing i want in my life.    

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That which you quote is your situation surely you realize that many situation of a person living here is not the same. 

My situation is somewhat  similar to yours except my UK credit card and debit card are useful to me for using private pensions money in UK because the Provider will only pay money into a UK bank account. 

Credit card handy in Big'C' , Global Hse, PPT garages whenever I choose. 

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5 minutes ago, NCC1701A said:

I use Bangkok bank visa credit card secured with a cash deposit. 

makes booking hotels, flights and buying stuff much easier.

balance is paid in full automatically every month so there is no debt.

   

yes this is what the wife has
its not really credit as the funds are locked beforehand
so money is 100% there to pay
just helps with credit rating

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9 minutes ago, Kwasaki said:

That which you quote is your situation surely you realize that many situation of a person living here is not the same. 

My situation is somewhat  similar to yours except my UK credit card and debit card are useful to me for using private pensions money in UK because the Provider will only pay money into a UK bank account. 

Credit card handy in Big'C' , Global Hse, PPT garages whenever I choose. 

some people read til the end, some dont🤷‍♂️


while i did describe my situation
if you read
i started the topic as others in another thread

could not get past the fact, that some people live without credit completely and have no need or desire for it

i am also not talking about "cards" but credit only
i use debit cards.

Also if you are using a UK card whether DC or CC to spend your pension paid into UK bank account
you might be losing a bit in fees

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