1. If your card number starts with 4, not only UnionPay, but also Visa, then you can definitely use your credit card in Thailand.

2. When you swipe your card, the system will convert Thai baht into US dollars and charge it to your bill.

3. On the repayment date, you can choose to repay in US dollars or RMB (purchase foreign exchange).

If you change US dollars into Thai baht, you can only spend it in cash, and you can't enjoy the accumulation of credit card points. Unless you earn dollars directly, don't you also need to change RMB into dollars, then Thai baht, and then spend it? Which do you think is cost-effective?

Note: Time cost and the safety of holding cash should be considered ~