that's because you have abused the system. The purpose of Visa exemption is for the tourism and to try to live in Thailand. And it seems that is what you have been trying to do. Stop abusing the system.
your explanation here doesn't line up with your statement about jeopardizing your position in finance. Your reason in the comment is saying you wanted to post your journey in hopes that it would help other people, but your post was taking about your position. How is that jeopardizing your position? I just don't understand. I don't see the connection. I, too, want to understand this as well. How will it effect your position in finance? I am a travel agent and i do visa as well. So i am really curious how using an agent could affect someone's position in finance?
Yeah it has happened to me before when I was trying to use US card and Thai card while I was in Thailand before. I ended up having to ask a friend in the US to use that same US card to make a payment from the US. I suspected it had something to do with the IP address.
they have just released this app. I think you can go get it at Kasikorn Bank (the green one). You can use this app and pay by scanning QR code directly from the app like thai people do.