You can swipe UnionPay cards. It is best to ask if you can before purchasing. Some small-scale ones are not allowed. Sasa, counters, etc. are absolutely ok.

A credit card is not necessary. I usually go to Hong Kong also uses UnionPay cards. My card is a debit card. You have to press the password. Remember to save enough money! Haha. Otherwise, you won’t be able to use it.