@Ste****
, after reading the thai wording, that was my question too.
Could a credit card be used to exchange for baht. In theory, I'd weigh in on yes it could at any ATM machine, but it's anyone's guess what an immigration officer would say.
I wonder what would happen if someone pulled this out when stamping in and showed them and also showed them that stampin' in visa exempt only requires 10K baht not 20K.