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Hi,
I always use debit (like cirus/maestro) or credit card (visa). ATMs are widely available in Patong but sometimes, there are experiencing problems (communication lost). I always pay hotels with my card and in 6 years, I never envountered problems. There have been warnings published in newspapers concerning credit card fraud so always check the ATM for a suspicious device before introducing your card. There were also some suspicious places mentionned (ie: a restaurant in Pattaya and a jewellery in Phuket)
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