Question 1: Can I use mainland credit cards for shopping in Hong Kong? Question: I’m going shopping in Hong Kong on New Year’s Day. I don’t want to bring too much cash with me. Can I use a mainland credit card? What about debit cards? Answer: Yes, VISA or UnionPay (MASTERCARD) cards are accepted in Hong Kong. When using UnionPay cards abroad, be sure to recognize the "UnionPay" logo posted on merchants or bank ATMs. Only places with the "UnionPay" logo can accept UnionPay cards. Overseas, the same merchant may have multiple acceptance networks, so when shopping with a card, it is best to remind the merchant that you want to settle through the UnionPay network. Debit cards with the UnionPay logo can also be used. Here are a few tips that I hope will help you! First of all, when shopping in Hong Kong, you can use mainland bank cards or credit cards. When traveling to Hong Kong and other places, try to use dual-currency credit cards. “Consumers can bring a small amount of foreign exchange when traveling abroad to prepare for small purchases such as taking a taxi or buying snacks. For large purchases, use a dual-currency credit card. The biggest advantage is that consumers can use the overdraft function of the credit card to fully enjoy the benefits of the credit card. Interest-free period. Financial experts say that most domestic dual-currency credit cards are now dual-currency cards of RMB and US dollars. When using this kind of credit card to make purchases abroad, you need to convert local currency into US dollars, and then convert US dollars into RMB. Therefore, it is best for consumers to choose a credit card in the corresponding currency according to the currency used by the travel destination. For example, when traveling to Europe, consumers are best to bring one. Dual-currency cards in RMB and Euro. Secondly, it is best to use UnionPay cards when traveling to Hong Kong. Currently, UnionPay cards are accepted in more than 90 countries in Hong Kong, and UnionPay usually converts Hong Kong dollars into RMB based on the exchange rate between RMB and Hong Kong dollars on the day when the card is swiped. , and there is no currency conversion fee; if consumers traveling in Hong Kong use VISA, MasterCard and other foreign cards to make purchases, they will have to pay a currency conversion fee of about 1.5% of the purchase amount. Finally, there are many ways to repay the money by swiping cards overseas. /p>

Question 2: Do I need a credit card to swipe cards in Hong Kong? Hello, UnionPay debit cards can only be used at overseas machines with the UnionPay logo when swiping cards or withdrawing cash. In terms of funds, only the RMB on the card is used. (No foreign currency is used on the card). Our bank does not charge handling fees when using our all-in-one card to withdraw money from ATMs overseas through the UnionPay system. A handling fee of 5‰ will be charged based on the amount of each transaction, with a minimum of RMB 10 (in some countries). The local acquiring bank will charge additional fees). And you can withdraw local cash equivalent to no more than 10,000 yuan per day at the automatic teller machine (ATM). Please log in to the public version or professional version to select the UnionPay route function. "Account Management" - "ATM, POS Limit" - whether the UnionPay overseas ATM cash withdrawal function and UnionPay overseas POS consumption function are normally activated. In addition, select the ATM daily limit and POS daily limit to check the limit status. It is recommended that you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!

Question 3: Can I use a Bank of Communications credit card in Hong Kong as long as it has the UnionPay logo? All cards can be swiped, whether it is a debit card or a credit card.

Question 4: Can China Merchants Bank credit cards be swiped for purchases in Hong Kong? Hello, our bank currently has two basic credit card swiping lines, UnionPay line and international line. Lines (VISA, MASTERCARD, JCB or American Express, etc.). When the card is swiped on the UnionPay line, it will be settled directly in RMB; when the card is swiped on the international line, it will be settled in U.S. dollars. Since overseas consumption with credit cards will be settled in U.S. dollars, if the consumption amount is If the consumption amount is not US dollars, there will be an exchange fee between the two currencies, which is 1.5 of the transaction amount. The exchange fee will be charged by our bank on behalf of the international organization. If the consumption amount is US dollars, there will be no exchange settlement fee.

If you have other questions, it is recommended that you add "QQ" or "WeChat" for online consultation.

Method 1: Search for "4008205555" among QQ business friends and add "CMBC Credit Card Center" as a friend;

Method 2: Search for the number "cmb4008205555" in WeChat and follow CMB Credit Card Just center.

For detailed instructions, please click: cc.cmbchina/...d=zxkf, thank you for your attention and support!

Question 5: To swipe a credit card in Hong Kong, does the cardholder have to swipe the card in person? Yes! In Hong Kong, credit cards are used with other people, and others cannot steal other people's property. Even parents cannot give it directly to their children and can only apply for additional supplementary cards.

Question 6: When I use a Mainland credit card to pay for things in Hong Kong, do they pay in RMB or Hong Kong dollars? If you use the UnionPay route, it will be settled in RMB, and there is no currency conversion fee. If you use the VISA or MASTER route, you will be charged a currency conversion fee. If you choose to swipe a card, it is best to swipe UnionPay. If you want to be more economical, it is best to exchange Hong Kong dollars in the mainland before going to Hong Kong for consumption, because if you go to Hong Kong to exchange RMB for Hong Kong dollars, you will suffer a loss. I also just came from Hong Kong. Before I went there, I exchanged 95 RMB for 100 HKD. After I arrived in Hong Kong, it was 103 RMB for 100 HKD, and 106 RMB for 97 HKD. In short, it varies from region to region. So my personal suggestion is to exchange Hong Kong dollars in the mainland before spending. If the amount of shopping in Hong Kong is relatively large, then printing and printing coupons is the best choice.

Question 7: Can I use CCB’s credit card in Hong Kong? The bank automatically converts and it is more convenient to swipe the card.

Question 8: Can Hong Kong shopping malls swipe mainland UnionPay credit cards? If so, there are no other fees. It is absolutely possible. Almost all shopping malls have terminals with UnionPay logo.

No handling fee is charged, and settlement is made in Hong Kong dollars, which is converted into the corresponding RMB according to the exchange rate of the day.

Question 9:. . . Problems with using credit cards for shopping in Hong Kong China UnionPay card (card number starts with 62), American VISA card (card number starts with 4), American MasterCard (card number starts with 5), Japanese JCB card (card number starts with 35), American Express card (card number starts with 35) Starting with 34, 37), American Discover card (card number starting with 6)

So you are using a Japanese JCB card.

When paying, remember to use the UnionPay channel to swipe the card. . You can directly exchange Hong Kong dollars for RMB, and then return the RMB back. There is no need to activate any service to use Hong Kong dollars.

I can’t access the chat page now. If you have any questions, please ask directly. .

Question 10: Can I use a mainland credit card when I go to Hong Kong? It is not cost-effective to use a credit card in Hong Kong. The limit is directly converted into a US dollar limit. It would be better to use a debit card