If you plan to spend your vacation in Thailand, it is probably a good idea to use paper and plastic while you are there.
Since I am a regular visitor to the land of smiles, I usually have a few thousand Baht left from my previous trip. Along with that I will also bring about 500 US dollars in cash to see me through the first few days. Dont exchange currency in your home country.
I have stopped using traveler’s checks for a couple of reasons. I dont have a local bank account; I do all of my banking online. So, if I want to get traveler’s checks, I have to pay a fee. Then I will have to pay a small fee to cash the checks at the bank. I also dont like being restricted to accessing funds only when the banks are open.
I would never cash a traveler’s check at a hotel because of the terrible rate of exchange they give. Unless you get the checks for free, I wouldnt use them at all.
Using your credit card in Thailand is very risky. Even at the finest of hotels, the local staff is not paid much at all. It is very easy to skim and clone your credit card. It may not get used for months since the bad guys will wait until you get back...
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