Reader question: Experience with credit cards from banks in Thailand?

Hi Chris,
I will tell you my experience with 2 banks in Thailand regarding your question about a possible credit card.

Kasicorn sofa.
I have been affiliated with this for almost 7 years and, among other things, the payments for my house have been paid through my account with them, so people could or should have some insight into my financial "goings and sailing". In 2012 I asked through the office in Pranburi about the possibility of applying for a credit card and after some extra explanation, people thought I meant a debit card, I was given a list of what I had to hand in and that was quite a bit.
When I came back 2 days later with my pile of papers, which I had to sign all 1 by 1, I was informed that I would receive a message within 4 weeks whether I would be eligible and I was already disappointed because I really thought that people I had told them 2 days earlier that this would not be a problem because as a permanent resident with some assets, a work permit, a house and whatnot, I could enjoy the confidence of a financial institution such as Kasikorn bank.
After 4 weeks no message as you could usually expect in Thailand and so I drove to Pranburi asking why? Wait a minute sir, we are working hard on it and you guessed it, after several phone calls and after about 16 weeks a rejection without reason and with the statement that communication could not be made about it either, as if that were possible in other situations?
I then informed the manager of the Pranburi branch that I would cease all my activities through Kasicorn and that I would look for another bank. He didn't even blink his eyes and said hello to me.

Siam Commercial Bank (SCB).
After making inquiries left and right at some banks, I received a positive answer from SCB to my question for the desired credit card and after leaving a briefcase full of documents and copies here again, I also got, in my opinion, , far too long processing time then finally my credit card.
It immediately turned out that my name had been written incorrectly on the card, despite the 5 or 6 copies of my passport that they needed from me when applying. Of course I went back to the bank and was told that they would apply for a new card. 3 weeks later the time had come and after paying 175 Baht I received a new card with the correct name. Of course I did not agree with the 175 baht for the new card because the bank had "made a mistake" and after some back and forth discussions I would get it refunded to my account and I have been waiting for almost a year now.
Making mistakes in Thailand can only be farang and certainly banks or consider themselves flawless here and rise above all norms customary in the west is my experience! You could call it feudal?
I would almost forget to mention that I had to deposit 100.000 baht in advance into a blocked account, so I do not have the booklet in my possession. The fixed interest rate is 3.46%, so that's not bad in any case.
You would think 100.000 baht deposited, so this is the maximum amount that can be withdrawn per month, but that is not the case. The maximum that I can pay per month via the card is only 50.000 and I believe that this is kept up to date because I have experienced that an amount of 23.000 + Baht was collected by an airline and that a hotel wanted to collect another 30.000 Baht through my card and that didn't happen because I was over the limit. You can imagine that it is not a pleasant feeling when you are paying at the reception of that hotel and that this does not work. Incidentally, my credit on the current account at the same SCB was more than sufficient.
Fortunately, I still have my Dutch credit card and I advise everyone not to cancel the Dutch bank account when they go abroad because it is not easy to open a new one as a non-official resident of the Netherlands!
When I returned to Thailand I immediately went to the SCB with the announcement that I would like to be able to take up to 100.000 in the sequel and without batting an eyelid I was told that that would not be possible. After a nonsensical discussion about whose 100.000 Baht it is on the blocked account, I gave up and now I also classify the SCB bank among the feudal companies of which there are still far too many in Thailand and such as the telephone companies, but that's not what it's about now.
In short, you could say that I only have a debit card on which I have deposited 100.000 Baht, but I am only entitled to withdraw 50.000 Baht per month.
Yes, customer friendliness is still far to be found in Thailand, except for the usually meaningless smile and I console myself with the thought that in the (near) future this attitude will lead to customer loss and perhaps to a well-deserved bankruptcy?
When I have time again soon and especially, I will visit some banks again to ask whether they might be willing to provide a real credit card and then follow the Western example. When found I will gladly withdraw my funds from the SCB again and I will maintain the bills by means of a meaningless amount of 100 Baht in the hope that I will put them on pointless expenses.

I hope my experiences will help you and if someone has a good tip I am very interested?