the bank issues you the amount from your card without a fee and it's your card that dictates the rate. The rate is the same from the ATM but without the fee currently 220bht per transaction.i use krungsri and never had a problem
are you high? Credit card is the worst thing to pay for shit, most places you go to don't accept them and the ones that do charge you a fee.ffs have you been to Thailand🤦🤡
Take cash to start then after you're getting low take your arse to the bank with your card and passport take out whatever you need, it'll cost you nothing for the withdrawal, if you have a safe in your room take more if you don't, take less