not sure that's quite right - I heard from a UK citizen that one of his transfers were delayed a couple of days (because of the bank) and his renewal was rejected because of no payment that month. They would not accept they could see 2 payments the following month. But again - each office their own rules more or less
you said bubble burst because of a Thai baht fee and that was your comment to his remark that there is no fee from his bank so your remark bubble burst is wrong. Why would I tell that to the OP? More clear now for you?