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What are the best practices for maintaining US credit cards while living in Thailand on an OA visa?

US Citizen Banking OA Visa Maintaining Credit Cards Abroad Expat Finance International Banking State Department Federal Credit Union USA Credit Unions US Credit Card Maintenance

Mar 23, 2025

10 days ago

John *********

ORIGINAL POSTER

US citizen. Hoping to go on an OA visa in December.

A few questions (again) after using search here and some google/web.

1. Any opinions on State Department Federal Credit Union and the ACA group that is the path to getting accounts there? Supposedly they are good with foreign addresses, and also web/ip platforms for MFA. Issue is I don't see a lot of current reviews, or mentions in the expat groups.

2. Maintaining US credit cards as an expat. Not expecting a tutorial here but any links to good info or first hand success in keeping them open? 

3. Why don't we see any  info on Gentleman Girls, only Lady Boys? (OK disregard this one).

Any help appreciated.

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TLDR : Answer Summary

The post discusses the challenges and considerations for US citizens planning to move to Thailand on an OA visa, specifically regarding banking options such as the State Department Federal Credit Union, maintaining US credit cards, and the need for a US address for card management. Responses provide practical advice on keeping US bank accounts active, using trusted contacts in the US for card delivery, and selecting credit cards with international viability.

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Marty *********

I keep two US bank accounts, each with a credit card. One bank is a credit union that doesn’t do international wire transfers but you can get money quickly through the credit card. (I only do this in an emergency). To keep them active login to the account periodically and make charges to each card periodically. Keep a US address with a family member or trusted friend. Get a new card just before you come here. I have renewed cards sent to my sister’s US address and she sends the card to me.

10 days ago

Mark ********

You can keep your u.s card. Just have a u.s mail

address. It is better to have a good card with international presence like chase. My credit union credit card has fees on international purchases.

10 days ago

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Mark ********

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Can I deposit my retirement income and Social Security into a Thai bank account as an American planning to retire and marry a Thai national?

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