It depends on which bank’s credit card you use and the type of credit card you have. Generally speaking, when you use ordinary UnionPay-VISA dual-standard credit cards to make purchases abroad, you will settle with UnionPay if you use the UnionPay channel, and you will settle with US dollars if you use the VISA channel (if you do not use Thai baht to settle, the bill may show Thai baht when you swipe the card) , but in fact it can only be converted into US dollars for settlement). If you use this kind of credit card to make purchases through the VISA channel in Thailand, the Thai baht consumed will be directly recorded in U.S. dollars according to the current exchange rate, and you will need to repay in U.S. dollars after returning home. If your credit card account has the function of automatic RMB foreign exchange purchase and repayment, there is no need to apply, you can directly exchange it for RMB, and the system will give priority to automatically repay the US dollar debt. It will also be converted according to the exchange rate at the time of repayment. Foreign currency exchange fees will be charged for both conversions. It is generally around 1.5; if the automatic RMB foreign exchange purchase and repayment function is not enabled, you need to call the bank to apply for foreign exchange purchase and repayment when repaying.