payment in thai hospitals

19 hours ago, rak sa_ngop said:

But maybe other banks/countries do it differently

Just for example I was recently hospitalized at Pattaya International Hospital and at first the cashier rang up the 50,000 THB  "deposit" using the DCC rate which came out on the receipt as USD $1,522.87

I of course told her to void it out and do it again in Thai Baht like I told her to in the first place.  The Thai Baht rate ended up converting to   $1,427.76 on my credit card statement,  a difference of $95.11,  so refusing DCC is definitely worth the trouble

US Capital One card with no overseas conversion fees