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Are MasterCard and UnionPay channels sufficient to meet daily needs when traveling in Thailand? Some people say that visa is more widely used than MasterCard, so we need to get one more.
MS has answered your question about bank cards.

About shopping, you must know the World Trade Center and the Palace of Belle, which are the CBD of Bangkok.

Then I'll introduce some relative features and local ones to you.

1. Patunan is located in the center of Bangkok, about ten minutes' walk from the World Trade Center. It is one of the largest wholesale markets in Bangkok, and its landmark building is the 80th floor Yu Ye Hotel Building (the buffet here is very good, and you can enjoy the night in Bangkok at dinner. I suggest you try it when you have time.

2. Chatucha weekend market is very famous. It is the largest open-air market in Asia. In its heyday, it was as big as a dozen football fields. It seems to have decreased last year, but the scale is still very large. This place is only open on Saturday and Sunday (in fact, it is also partially open on Friday). It is a must for Japanese and Korean tourists and compatriots from Hong Kong and Taiwan to go shopping in Thailand.

3. Bei Bo (which people in Taiwan Province province seem to call "BMW Mall") is visited by many locals, and compatriots in Taiwan Province province seem to have a preference. Similar to the clothing wholesale city in the mainland.

Almost all Bangkok locals in these places know that if the language is ok, or if you meet a taxi with good English, you can usually find it.

About consumption

Thailand's average consumption is not high, and Bangkok's consumption is similar to that of first-tier cities in the mainland, but lower than that of Beijing, Shanghai and Shenzhen. However, if you go in and out of high-end consumer places as a tourist, that is another matter. If you travel freely, you won't think Bangkok is expensive.

Ps: I just saw the exchange rate downstairs. For me, I feel that it is not worthwhile to go to Thailand to consume the exchange rate now. The recent exchange rate of RMB to 4.5-4.6 baht is about 500 baht per spend 1:5 RMB. It hurts ~

But it doesn't matter if you only travel once in a while.