Ringgit is still not tradable overseas, thanks to our ex-PM and his brilliant economic team. Surprisingly I found that in Dubai they do exchange MYR, of course you can use it in Southern Thai as well.

I always changed at KLIA, no point going around and shop for money changer, sometimes they dont have small notes, or not enought notes etc.

Always bring spare USD or Euro.

Credit cards is ok, you can earn some points
but check with local issuing bank for the rate