Brush UnionPay, the exchange process is RMB (credit card consumption)-Hong Kong dollar (exchange commodity price equal to Hong Kong dollar)-RMB (exchange commodity price of Hong Kong dollar into RMB for repayment), you only need to bear the bank exchange rate difference twice, which is probably a little more expensive;

VISA, the exchange process is RMB (credit card spending)-US dollars (VISA automatic exchange, used to exchange Hong Kong dollars)-Hong Kong dollars (converted into Hong Kong dollars equal to the price of goods)-RMB, where you have to bear the difference of three times the bank exchange rate, you can calculate how much it is expensive, especially if it involves US dollars.

If you use UnionPay, you will deduct RMB whose exchange rate is equal to the current Hong Kong dollar price. When you repay, you will convert it into RMB according to the exchange rate and Hong Kong dollar price on the day when the merchant bank presents you the documents.

2. The hotel pays the deposit or visa channel guarantee.

The hotel must lose money by paying the deposit or VISA channel guarantee, because the exchange rate fluctuates greatly, but there is no way. The hotel guarantee can only be made through the VISA channel, or you can ask for a cash deposit, so there is no loss.

It's best to pay the deposit in RMB cash or Hong Kong dollars, but it's a bit troublesome to refund several hundred Hong Kong dollars when you leave. In addition, there is another problem in paying the deposit by credit card. The deposit will not be refunded until three months later. It is suggested that you pay the deposit in RMB cash as much as possible. The hotel will be sealed in an envelope and returned intact when you leave. Some hotels, such as Xinxiang, can ask the front desk to charge all fees when they check in, without paying a deposit, and the room card can also be kept as a souvenir ~ ~

3. Is there a handling fee for credit card consumption (VISA is different from UnionPay).

When the store swipes the UnionPay card, the cardholder does not need to pay any handling fee (the consumption amount is the amount of your credit card).

For shopping in Hongkong (UnionPay) or (Visa (Master) issued by any organization), RMB 1%+ 12 yuan is charged, with the lowest 13 yuan and the highest 62 yuan. You can withdraw cash in local currency from ATM machines in Hong Kong, with no more than 5 times per card per day, and the total withdrawal amount is no more than 5,000 RMB, and there is no handling fee for swiping the card!