Warning about Siam Commercial Bank ATM policies

I love SCB, usually good service, occasionally brain dead teller, but usually it's ok

I like doing cash advance over there, no ATM fee and no limit per withdrawal if your VISA card allow it

anyway, I have been doing it a dozen of times, never a question asked. And then this week they are starting to make problems. It was a new VISA card, with a chip, so first they ask why I don't use ATM since it has chip (don't ask for the logic in that, just another Thai brain fart). I insist using the cash advance service since I want more than 20,000 THB. They proceed with the cash advance, everything is fine, and the transaction is approved. Then suddenly one of the overzealous supervisor, notice that the word "Debit" is under the VISA logo. She immediately stop the transaction and say we have to cancel transaction as they can't do Debit for Cash Advance. WTF ??? take note that they did the same transactions with another "debit" VISA card about hundred times before that. The transaction is approved so there is no "justification" to cancel the transaction. Just another bank staff brain fart.

I do a huge scandal in the bank like the farangs can do so well and drag the bank manager myself out of his chair in his office to explain his brain dead staff how to run a cash advance. I scream at the bank supervisor that she is an incompetent fool and should return to school or better, work at TESCO. She is not smiling, she is an ugly bitch anyway. I notice also the majority of the staff I know has changed, except the bank manager which I know well.

Anyway, they make phone calls to some "service center" and are told not to approve any "debit" VISA for cash advance. No justification, just old policies. Yet, they did the same transaction before and didn't bother to check. Another Thai logic. After a 15min negotiation, they decided to approve the transaction and so they did.

Conclusion: SCB is no longer a good place for cash advance, it might have to do with ATM fees or a need to stop farangs taking too much cash out, who the fuck knows, but I noticed a lot of confusion between bank staff regarding VISA, VISA Electron, and VISA Debit. Sometimes a clueless store clerk will refuse to take a VISA card if it has the word debit under the logo. Screaming and calling a supervisor usually solve the issue within minutes, but it's still a pain to deal with those idiot creatures. It really feels like you are in a zoo and you are negotiating with monkeys behind a cage after they stole something from you.

[End of Rant]

:frog:

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Originally Posted by Butterfly

She is not smiling, she is an ugly bitch anyway.

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No penis I take it, oh well....

even with a penis, it wouldn't have made an attractive katoy, sadly

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Originally Posted by Butterfly

I do a huge scandal in the bank like the farangs can do so well and drag the bank manager myself out of his chair in his office to explain his brain dead staff how to run a cash advance. I scream at the bank supervisor that she is an incompetent fool and should return to school or better, work at TESCO. She is not smiling, she is an ugly bitch anyway. I notice also the majority of the staff I know has changed, except the bank manager which I know well.

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Typical French twat, which is why the Thais hate you, and you make yourselves look like fools...

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Originally Posted by Butterfly

Anyway, they make phone calls to some "service center" and are told not to approve any "debit" VISA for cash advance. No justification, just old policies.

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So, they were correct and you were wrong; surprise surprise...

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Originally Posted by Butterfly

After a 15min negotiation, they decided to approve the transaction and so they did.

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The staff very kindly help you, when you are in the wrong, and all you can do is insult them...

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Originally Posted by Butterfly

Conclusion:

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You're a typical French Kunt!

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Originally Posted by Butterfly

but it's still a pain to deal with those idiot creatures. It really feels like you are in a zoo and you are negotiating with monkeys behind a cage after they stole something from you.

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You probably can't imagine how stupid you sound... you're the monkey!

I have a few accounts butterfly, I very rarely use them, I just use my girlfriends credit and atm cards, of course these aint the multi million baht transactions you do, but I'd rather she sorted these idiots out, I try to transfer money out of the country and its like 101 questions, I aint doing that, let her deal with the monkeys.

dealing with monkey creatures is indeed a pain

I understand now how the Ancient Aliens grew impatient with us eventually, and wiped out the earth, they were dealing with the same monkeyness

Monkeys should listen to the superior beings, not their clueless peers

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Originally Posted by Butterfly

Monkeys should listen to the superior beings,

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Huh? Your French.

^ yes, and that includes you English, you should listen to the superior beings like the French. If you had, you wouldn't be in so much shit now

Maybe this is a paranoid over reaction to the recent "chip and pin is broken" news?
more here

full story

^ Nice find Spin.

Nice quote I stuck on Twitter....just cos...

"Cambridge is the university of Erasmus, of Newton and of Darwin. Censoring writings that offend the powerful is offensive to our deepest values."

^^ don't think it's related as the cash advance doesn't involve PIN,

they were specifically saying Debit, didn't care if it was AMEX with a chip

after I proved to them I was right by looking at their records, they decided to process the transaction. It's probably some dumb fuck at the top who has no clue who initiated the policies. Nobody follow it because it's stupid, like many things here. Only an occasional overzealous supervisor too inexperienced to know would actually raise the issue just because she read it some manual.

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Originally Posted by Butterfly

don't think it's related as the cash advance doesn't involve PIN,

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And this would stop the locals worrying about about taken by a farang? :)

That bank belongs to the person we can not talk about say no more.

It's also possible they are confused with "Prepaid Debit Card", apparently it's a VISA cash card for paying people overseas without the expensive transfer fee

all these complicated English words are probably confusing their tiny brains :p

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Originally Posted by Bettyboo

Typical French twat, which is why the Thais hate you, and you make yourselves look like fools...

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why would I care of what a monkey think ? do you always ask yourself this question when you visit the zoo ?

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Originally Posted by Bettyboo

So, they were correct and you were wrong; surprise surprise...

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actually I was correct after they checked their records since they still had the paperwork and receipt from the week before when I did a similar transaction. They got caught in their own lies and non-sense and had no choice but to proceed.

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Originally Posted by Bettyboo

you're the monkey!

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:rofl:

Thanks for letting me know. I was about to make the mistake :(

Why would you insist on cash advances if they cause problems? Surely use ATMs like everybody else - the machines don't descriminate just because of a word on the card like you say the 'monkeys' do.

And why do you elect to live amongst monkeys if you dispise them so?

Don't finance charges start immediately if you take a cash advance on a credit card rather than at the end of the month (when you'd have the chance to pay it off without interest)?

^Believe so, only to be used in desparate measures

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Originally Posted by FailSafe

Don't finance charges start immediately if you take a cash advance on a credit card

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Yes, but the OP states a debit card

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Originally Posted by Butterfly

Screaming and calling a supervisor usually solve the issue within minutes

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you must be really loved by the locals

after the cash advance, the greedy UK bank still took their 10 GBP ATM cut even thought it's not an ATM transaction