It is recommended to go to Hong Kong to exchange. Although the exchange rates are the same, the RMB I exchange every time in Japan is less than in China. Moreover, there are people who specialize in foreign exchange exchange in some places, so you can exchange it. More. Of course, last time I went to HK, I went directly to the bank to change my money. Besides, Hong Kong is a shopping paradise. With less money and no cards, you will buy less unnecessary things. It’s a bottomless pit.

As for credit cards, firstly, Japan is much stricter on applications for Chinese students, and secondly, when credit cards are used abroad, they are usually converted into US dollars and then into Hong Kong dollars, which will generate a lot of money. There are handling fees, and if you want to withdraw cash, the interest rate is relatively high. Unless you need to use a lot of money, such as hundreds of thousands of Hong Kong dollars, it is not recommended to use Japanese credit cards. It is better to use UnionPay.