As a US citizen living in Thailand, getting a credit card can be a challenge. Many Thai banks require a large deposit or a fixed deposit account to issue a credit card, which can be difficult to obtain. However, there are some options available to you.

Firstly, you can try applying for a credit card from a Thai bank that caters to expats. Some popular options include Bangkok Bank, Kasikorn Bank, and Siam Commercial Bank. These banks may have more relaxed requirements for expats, such as a lower deposit or no fixed deposit account required.

Another option is to use a prepaid credit card. These cards are linked to your bank account and can be used for online purchases and major transactions. SCB has a couple of prepaid options that link to your SCB account and are super easy to use and top up when needed.

If you’re having trouble getting a credit card from a Thai bank, you might consider using your US credit card instead. Many US credit cards are accepted worldwide, including in Thailand. However, be aware that you may be charged a foreign transaction fee, which can range from 1-3% of the transaction amount.

In some cases, you might be able to get a credit card from a Thai bank if you have a fixed deposit account. This type of account requires you to deposit a certain amount of money, which is then used as collateral for the credit card. The amount of the deposit will depend on the bank and the type of credit card you’re applying for.

Here are some steps you can follow to get a credit card from a Thai bank:

1. Research Thai banks that cater to expats and offer credit cards with relaxed requirements.
2. Check the bank’s website or visit a branch to find out more about their credit card options and requirements.
3. Apply for a credit card using the bank’s online application form or in person at a branch.
4. If required, open a fixed deposit account and deposit the required amount.
5. Wait for the bank to process your application and issue the credit card.

Some popular credit card options for expats in Thailand include:

• Bangkok Bank’s Be1st Debit card, which is a TPN-connected Mastercard debit card that can be used worldwide.
• Kasikorn Bank’s Visa debit card, which is not connected to TPN and can be used for online purchases and major transactions.
• SCB’s prepaid credit card options, which link to your SCB account and are easy to use and top up.

Remember to always read the terms and conditions carefully before applying for a credit card, and make sure you understand the fees and charges involved. With the right credit card, you’ll be able to make online purchases and major transactions with ease, even as a US citizen living in Thailand.