How do I manage my credit card addresses and USPS while moving from the US to Thailand?

Mar 8, 2022
3 years ago
Tony ******
ORIGINAL POSTER
This is a question about moving from the US to Thailand.

I am in the process of moving and my question is to those who have already done it.

How did you handle the change of address with your credit card companies and USPS? Did you have a problem with either?

Many thanks in advance for your help.
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TLDR : Answer Summary
The discussion revolves around how expats moving from the US to Thailand manage their credit card addresses and USPS correspondence. Participants share experiences about using mail forwarding services or maintaining a US mailing address to avoid account issues with financial institutions that may not allow overseas addresses. Many recommend setting up virtual mailboxes and maintaining electronic statements to mitigate problems with incoming mail. The general consensus is to keep a US address for convenience and to avoid complications with US banks.
Tony ******
ORIGINAL POSTER
Many thanks everyone for all your constructive and informed comments.

I will keep an address in the US. As many of you have pointed out it will make everything much easier.

I have been commuting back and forth for the last decade. Now only one home!
George *************
Many things are much easier to do in the US such as open accounts. Especially while you still have a real address. It's often much easier to change your address from a real residential address to a virtual mailbox-type address once you have the account open. Sometimes it can be difficult to open an account in the US with a virtual mailbox address. Also, sometimes you can set up the ability to wire (SWIFT) from your US bank to your Thai bank in person, while it would be very difficult to do when overseas.

Not banking-related but often libraries in the US allow you to borrow audiobooks and ebooks online, which you can continue to do even from overseas since it's all online. Apply for the library cards in your area before you leave.
Ennio ********
I'd suggerst you try it for a couple of years first before you start making big decisions. If it's the case you want to do it full time, you'll have already got all the info you need. Tread lightly is the advice. My father has been out here for at least 15 years now. I can put you in his direction, but I'll warn you, he's straight talking.
John-Paul ******
Keep a US address and phone number. Can be friend or family (latter preferable?). Do all accounting on line. Do NOT volunteer you are living overseas full time. Traveling is best excuse when you need one. Credit cards from US institutions will only send to your US address. Then have family or friend mail them using Registered Mail from USPS (cheaper and takes about 6 to 10 days... well with luck). Make sure cards do not add

international fees (Capital One and others. Amex acceptance is few and far between). Again... everything here can be done on line.
Steve *****
Just moved here. I decided to establish residency in South Dakota. I came from California. I don't want to pay anymore California state tax. You can get mail forward service there and a PMB address. I do everything online with banking and credit cards. I use Charles Schwab which is very convenient with no ATM fees. Wire transfer is only $15.
George *************
I've been a satisfied customer of travelingmailbox dot com for 9 years. Envelopes are scanned, contents scanned on request, mail such as credit cards can be forwarded to Thailand by USPS.

I believe it is a very bad idea to inform US financial institutions that you don't live in the US. Use a virtual mailbox as your address (or friend or family's residential address). US financial institutions do restrict and close accounts of people who don't live in the US. Use a VPN set to the US to access your accounts online. Use something like Magic Jack to maintain a US phone number. Use free Google voice for a phone number in the US where you can receive SMS or 2-factor authentication. Sounds paranoid? Once they restrict or close your account there's nothing you can do to fix the problem. Avoid the problem in the first place. US financial institutions that don't care where you live *today* could start caring tomorrow. Things change, know your customer (KYC) laws get stricter.
Tony ******
ORIGINAL POSTER
@George ************
Many thanks for your advice. Traveling mail box sounds like a great solution. Which plan do you use?
George *************
@Tony *****
The basic plan (35 free scan pages a month), but I pay extra to have a premium address because I wanted it to match the state I use for my US tax domicile (a state with no state income tax). So, it would be less if I didn't have a "premium" address. I pay $199/year. I never pay any additional amount for scans of envelopes or contents. I pay for forwarding only and that's usually only for new/replacement credit cards. I use regular USPS to forward stuff to Thailand (2 weeks, sometimes more). Every year I have less and less mail. 😉

I used to pay for them to deposit the odd check I would receive by mail to my US bank, but I finally figured out I can use my mobile check deposit app from Thailand if I print the check out here from the scan done in the US.
Mike **********
Keep a US mailing address with a family member or a forwarding service. I really have no mail needing to send to me here. USPS gets here to me in 1 to 1-
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weeks when time to renew credit cards. Just let your bank know your transactions will be here and you should have no issues.

One thing to consider for internet banking or activity, some banks will only send an access code to a US phone number. Some banks won’t even accept a phone call to customer service from an overseas phone.
Marguyvin **********
I use virtualpostmail<dot>com since 2011. I have no complaints.
Gary *********
Cancelling credit card paper statements was easy, I signed up for electronic email billing.
Dave *********
Might be an idea to say what credit card you have and see if anyone has an issue if you wanted to change to a Thai address/mobile number for app/payment confirmation. I had 2 UK credit cards one is happy for me to use an overseas add/number, the other shut my account.
Dan ********
@Dave ********
which UK credit cards ? NatWest and Barclays seem ok with my 'situation', but I maintain my time here is not permanent, I have properties in London where my accounts are registered. Neither will send cards directly. Revolut have offered to send directly to Thailand as it would be an emergency.
Dave *********
@Dan *******
I moved here 'permanently' and have no address in UK so any correspondence/new cards would have to come here. MBNA closed my account immediately. My remaining card is the clarity card from Halifax. They are OK with my overseas address and mobile number although I've had to confirm details by post rather than online. Their card also has the advantage that they don't apply a foreign transaction charge when used abroad. I don't use it very often but it's a handy option to have.
George *************
@Dave ********
I honestly think "don't ask, don't tell" is a far better policy.
Dave *********
@George ************
So long as you have an address in your home country all good. I don't therefore I can't plus I no longer have a home country sim card for contact, OTP, login etc.
George *************
@Dave ********
I use a virtual mailbox US address (travelingmailbox dot com) and a magjcJack VOIP US phone number and Google Voice for SMSs often used in 2-factor authentication. Also, Use a VPN (SurfShark) set to the US when I access US financial institutions' online. i have not had any of my US accounts restricted or closed.
Dave *********
@George ************
So not just "don't ask, don't tell" then?
George *************
@Dave ********
yes, I would never ask my US financial institution if I could use an address outside the US and I would never volunteer to a US financial institution that I have an address outside the US.

They may be able to tell I live outside the US but it won't be because I told them I do.
Cherie ********
I have a virtual mailbox in the US

I decide what mail I want forwarded to my address in Bangkok…takes about 2 weeks US-BKK

been doing it for almost a year..no issues from CC or bank in the US
Brad *******
@Cherie *******
can you name the company?
Cherie ********
@Brad ******
Post Scan mail

You can pick the state you want to use. Choice of companies to use to forward the mail to your overseas address

Picked this company because it was one of five that got good ratings
Mark ******
Not an American credit card, but I have a debit card for an Australian bank account. No problem changing my address to a Thai address.
Av **********
I didnt change them just opened up s virtusl mail box...i wouldnt change any of that
Brad *******
@Av *********
can you name the company?
Brad *******
Many US Financial companies do not allow overseas addresses and might cancel your account.

I just kept a us address and had electronic statements online and email alerts about upcoming payments due.

Occasional snailmail is normally just junk mail credit card offers. The US address I kept is a family members. You can use a u.s. postal e-service to see the scanned mail envelope the night before mail is delivered and tell your family what to keep and what to throw out.
Steve **********
Hey Tony.

For me I established a mailing address in the states. It’s a mail forwarding service. I rarely have anything sent here but for things like a credit/debit card I have. They also have the option to scan mail. So if I don’t know what it is they scan it. If I need it (cards) they forward it. If not I tell them to shred it. It works perfect for me.

I’ve been told some companies will use a Thai address but I cannot confirm that.
Brad *******
@Steve *********
can you name the company?
Steve **********
@Br**
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