Thanx for that ... I just needed someone (just one person!!!) to tell me they do what I do and dont have any probs - so my mind is made up to do what I wd usually do - that is - take cash with credit card for backup and maybe take my atm card just in case it does actually work!!!
Where we are staying in both Patong and Bangkok are large places with in room safes ... so Im pretty sure what I leave in the room will be ok.