If you can take the UnionPay channel 1 there is no handling fee. If you take the visa or master channel, you will be charged a handling fee of 1.5%, which will be automatically deducted according to the exchange rate of Thai baht against the US dollar on that day, and you can just return it directly to RMB when you come back. However, it should be noted that the phenomenon of stealing credit cards in Thailand is more serious. You should try to swipe your card in big shopping malls or hotels and use cash elsewhere.

UnionPay cards don't charge any fees in consumption abroad, and the exchange rate is automatically converted by UnionPay system according to the exchange rate of US dollars to RMB on that day, so RMB consumption is displayed on your card, just like domestic credit card consumption, which is very convenient. It is also convenient to exchange Thai baht in Thailand. If you are traveling with a group, the tour guide will provide the convenience of exchange, or you can exchange it at the local bank, but it is more convenient for the tour guide. The exchange rate is as convenient as that of banks. Don't worry, you can exchange RMB and US dollars.

Cash withdrawal procedure

Handling fee and interest for using Pacific dual-currency credit card to advance cash:

(1) The domestic charge is 1% of the transaction amount, with a minimum of 10 yuan RMB. The handling fee for RMB withdrawal of Y-POWER card is as low as 5 yuan/transaction, regardless of peers' cross-bank and different places in the same domain.

(2) For overseas cash withdrawal through UnionPay, 1% of the transaction amount is added with 12 yuan, and the lowest is 15 yuan. Overseas, the transaction amount of 1% is charged through VISA/MASTER, with a minimum of $5 per transaction.

The advance cash has no interest-free repayment period, and its interest is calculated from the bookkeeping date to the day before payment, and the interest rate is five ten thousandths of the daily interest.

Withdrawal within the limit and overpayment of withdrawal fee:

(1) Cash withdrawal within the credit line means that the cardholder uses the credit line to overdraw cash withdrawal and needs to pay some fees.

(2) Overpayment cash withdrawal refers to the withdrawal of funds overpaid by credit card customers or deposited in credit card accounts in cash, and only part of the handling fee is paid without interest.