There is a foreign currency exchange fee of visa or mater 1.5, and it is credited to the US dollar account. When entering the account, there is an exchange rate for converting Thai baht into US dollars. When you return home, you need to convert US dollars into RMB for repayment. There are three expenses altogether.

If you use UnionPay to swipe your card, you will enter a RMB account. Only when the consumption is recorded, the Thai baht will be converted into RMB exchange rate, and the RMB will be returned directly when repayment is made.

Therefore, when spending by credit card, it is recommended to remind the cashier first and choose the UnionPay route to swipe the card.

Have fun O(∩_∩)O Haha ~