On the issue of $5,000 limit for overseas credit card spending of UnionPay cards.
First, determine whether your credit card is a dual-currency RMB-USD card or a multi-currency USD card. If not, you can withdraw money to save money, and there are two-way charges, which are quite expensive. Second, the state does have regulations that you can't take more than RMB 20,000 or US$ 5,000 in cash when you leave the country, no matter how much money you have in your card. The excess needs to be filed with the airport and customs in advance. Third, it is not recommended to deposit money in a credit card. Overpayment is very troublesome to use. I suggest you go to China Bank to apply for a dual-currency debit card. Banks in China are mainly engaged in overseas business, which naturally falls within their responsibilities. Fourth, you have to inquire about the details and shopping instructions of those stores. Generally, the rules of this luxury store are quite different. Fifth, remember to ask the customs about the tariff. Some countries levy taxes on goods taken abroad. I think so much for the time being (o? ω`o)ノ?