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curtklay

Member Since 2009-10-13
Offline Last Active Yesterday, 23:12
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Posts I've Made

In Topic: Warning! Fake Bt1,000 And Bt100 Banknotes Circulating In Thailand

2012-05-24 18:02:31

I'm sorry. I lost track of this thread while enjoying the sunset.

In Topic: Credit Card Game?

2012-05-24 17:47:10

It pays to shop around for the best card. The card I use in Thailand does not charge a fee for foreign transactions, converts purchases made in baht to dollars at current exchange rate, has no annual fee, and gives me 1% back in cash. My bank does not charge me to transfer money to the card company.

Other cards I have charge 3% for foreign transactions. Needless to say, they don't get used here. I have an ATM debit card for my Thai bank account, but can't see any reason to use it for purchases. Transferring money from my US account to my Thai account hits me with a transfer fee, and a lesser exchange rate.

In Topic: Credit Card Game?

2012-05-24 14:17:14

View PostPattayaParent, on 2012-05-24 12:58:24, said:

View Postcurtklay, on 2012-05-24 10:52:09, said:

View PostPattayaParent, on 2012-05-24 10:11:34, said:

View Postbarefoot1988, on 2012-05-24 06:45:33, said:

ok. you guys are freaking me out. i might just cancel my credit card and just do payment in cash

Better still, keep the card locked in the safe for emergencies or big ticket expenditures like air tickets or new computers and use your local ATM card instead.
Nope. That's not good advice. With baht at 31.4 per US dollar, reward points for every dollar spent, and no fee for foreign transactions, my Visa card is the preferred way to purchase groceries over cash that I transferred at less than 30 baht per dollar. Another point is the credit card companies may cancel the card if you don't use it at least occasionally.

I found it interesting that posters say European issued cards require a PIN number. That's not the case with US cards. All the clerk has to do is swipe the card, and push the right buttons. I will continue using my card.

And how much does it cost you to pay the credit card bill?
Well, it costs me whatever my charges amount to. No extra fees. The bill is in US dollars, paid from a US bank so as long as the exchange rate keeps giving me more baht per dollar, I win.

In Topic: Warning! Fake Bt1,000 And Bt100 Banknotes Circulating In Thailand

2012-05-24 10:59:49

I like this line the best:

The suspects use the fake banknotes to buy goods during rush hour when it’s crowded and there are too many customers enjoying the sunset.

In Topic: Credit Card Game?

2012-05-24 10:52:09

View PostPattayaParent, on 2012-05-24 10:11:34, said:

View Postbarefoot1988, on 2012-05-24 06:45:33, said:

ok. you guys are freaking me out. i might just cancel my credit card and just do payment in cash

Better still, keep the card locked in the safe for emergencies or big ticket expenditures like air tickets or new computers and use your local ATM card instead.
Nope. That's not good advice. With baht at 31.4 per US dollar, reward points for every dollar spent, and no fee for foreign transactions, my Visa card is the preferred way to purchase groceries over cash that I transferred at less than 30 baht per dollar. Another point is the credit card companies may cancel the card if you don't use it at least occasionally.

I found it interesting that posters say European issued cards require a PIN number. That's not the case with US cards. All the clerk has to do is swipe the card, and push the right buttons. I will continue using my card.

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