its not possible to get credit card cause they have condition - you have to work in thailand to apply for that card. Also it arrives in one month they said which is too late to buy a ticket then.
An agency that helping about visas in Thailand just told me today that cannot be accepted any application in the future if i stay more then 90 days without stamp (even with the amnesty), they will block me from coming in thailand for years.. Im not sure if this is true or the agency just trying to scare people so they get money for helping about visas...
I actually went to another and they never heard about not possible for second year visa but after I explained them what the first school said they decided they cannot make me second year visa.. so today ill go to third school and not gonna tell them nothing what happened with other schools...