Generally speaking, it is better to use Huaxia and Ping An bank cards, and there is no handling fee for the first cash withdrawal every day.

There is no handling fee for swiping the card. When you come back, you can repay directly in RMB, and the exchange rate will be directly converted into local currency when you swipe your card.

Credit cards can be used as long as they are marked with UnionPay. However, credit cards are generally dual-channel. When you swipe your card, you should clearly use the UnionPay channel, and there is a handling fee for using MasterCard or Visa channel. As long as you have the UnionPay logo, remember to brush only the local currency, and some merchants will ask if you want to brush the US dollar. Whether it is cost-effective to brush the US dollar can be seen by calculating the exchange rate of the US dollar against the local currency at that time and then calculating the exchange rate of the RMB against the US dollar when it comes back. Generally, this will suffer.