when you shop, please look at the sign at the door of the shop. Generally, shops will post the types of credit cards at the door, such as VISA, MASTER, UnionPay, Yintong and American Express.

I don't know if your CCB card is a credit card or a savings card:

1. Savings card:

Anyone who sees the UnionPay logo at the door can swipe it, without any handling fee. If the card is marked in Hong Kong dollars, the bank will immediately convert it into RMB at the instant exchange rate and deduct the corresponding consumption from the RMB account on your card. For example, if you buy goods with a price of HK$ 1, when you swipe UnionPay, the credit card bill will show HK$ 1, but the bank will deduct RMB 88.15 from your RMB account according to the exchange rate at that time, such as .8815.

2. Credit card:

If you want to use UnionPay as a credit card, it is the same as above.

if you don't use unionpay, such as VISA, the card will be marked in hong kong dollars, but the credit card will be converted into us dollars at the current exchange rate and deducted from your credit card. When you return to the mainland, you can use RMB to purchase foreign exchange at the us dollar exchange rate when you repay.

So when you swipe your card in Hong Kong, you'd better tell the cashier that you swipe UnionPay, so as to avoid the cashier's misunderstanding. Generally, Hong Kong people prefer to swipe VISA or MASTER.