@Charles *********
like I said I would eat the cost upfront for what you going to get in return… I’ll do the math for you right here bro no worries. Let’s say with utilities Cable Electric water etc $1800 a Month you are paying right now from what you just told me. And you get the low end 5 year Visa which 600,000 Baht / USD let’s say $16,800 depending on Exchange Rate and you get a loan for that amount. For 36 months at $500 a month. Now I’m assuming you live alone. You can find an excellent place here with Swimming Pool and Gym and Close to the Beach for $500 a month with everything included. I just literally put $800 in your pocket. Do you know what you could do or not in Thailand with an Extra $800 / $29k Baht a month. Don’t over think it bro. See you when you get here !!!