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I am going to Phuket in the autumn for 3 weeks and in contemplation of the financial infrastructure. I study all sorts of unionpay and Visa/MC cards of foreign banks.
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A card for rental is needed only in large offices - such as Avis, Hertz, etc. If you used to take a car in such offices - then for you everything will be very much compressed. As for union pay and car rental companies - it's better to look at their websites. It's hard to count and predict something now and it's a thankless task.