well I am going to Thailand for 26 days and I am pretty sure I have more than enough cash to last me, my question is, should I carry all cash, or travelers checks? does my atm work?.... I really dont know. I want to try and have as little cash as possible and just use a card, I guess i need help with what works best if anyone doesn't mind helping me out.
I always take some cash and the bulk in travel checks. You can get a refund with TCs, cash is just gone if you are a victim of theft. Most ATM cards will work in Thailand. There is a fee for withdrawl and there have been reports of theft in Pattaya. The bogus machine records your ATM number and your pin number. The crooks then clean out your account. Use bank ATMs, not the ones on the street or in small stores. A word to the wise. Thailand is a beautiful country, but it has its share of thieves.
I advise you to have an undergarmet money pouch. Keep your cash, travel checks, ATM cards, etc. in it. Make it very difficult for the thieves. Use the lockbox at your hotel rather than leave your money & valuables in your room. Send me a PM if you have questions.
I use my ATM card almost exclusively in Thailand. Every week or so I take out the max amount (usually a flat rate fee so it saves money in the long run), and carry the cash stash in a pouch under my shirt. I carry my daily spending cash in another wallet or something. You ATM card should work as long as it has PLUS or CIRRUS on the back, which are the two main international banking networks.
I usually carry a few traveler's cheques in American funds to get me by if my card stops working or I lose it. I've never actually had to use these yet, and usually I spend them in the last few days just to get rid of them. I also take 50 buck worth of cash in a hard currency as a second emergency fund, but again, I've never actually had to use it yet.