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Can CITIC Credit Card directly withdraw Thai baht from Thailand?
Yes, but it is not recommended to use a credit card, even UnionPay, unless you go to the bank to get it instead of going to ATM. The handling fee for UnionPay is 50 baht. If it weren't for Huaxia Card, besides 50 baht, there would be other overseas miscellaneous fees. I'm not sure about the details, but it was deducted. You can figure it out when you go back, especially when changing money. Therefore, it is recommended to exchange it at the bank.