Take dollars. You will get a better rate here than you will where you are. To check that, find out what you would get if you exchanged money there. If it isn't close to 34 to 1 for dollars, then you will know you will be better off exchaning your money here.
Yes, there have been fraud problems with credit cards in the DR. I would be very careful about where I used it to pay bills and make purchases.
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