Had a similar experience, save for the credit card part. Also had trouble finding an ATM machine. But then again, I was in Nepal for only two weeks. But holy moly, seems like the buildings have become jammed together. I guess after the Maoist insurrection, too many people hunkered down in Kathmandu. In the good ol' days, when I was in Kathmandu, we would regularly find khets and unused plots of land where we could play cricket and what have you. Things have really changed it seems. Then again, I went to Nepal for only two weeks, after 8 and a half years in the United States. Some things really did overwhelm me.