only credit cards and cash can be used, and only my credit card can be used. Don't use other people's credit cards to carry Ctrip. Some free travel products in Hong Kong and Macao are for cardholders of credit cards who have to pay. Please read them carefully before booking. If you can come, get a credit card, which is very convenient. Or just use cash as the deposit. Anyway, you will always change Hong Kong dollars. Just change more. Hotel rules in Hong Kong are different. Most hotels can only use the foreign currency channel for pre-authorization when they check in, and cancel the pre-authorization of foreign currency when they check out, and then use the UnionPay channel to check out. Therefore, according to your situation, first of all, you can't use your husband's card, which is forbidden to have sex abroad. Then, even if you have a UnionPay debit card, the hotel may not be able to apply for pre-authorization when you check in. To be on the safe side, you can call the hotel. No, we can only use cash. Renminbi cash will do. It is illegal to use other people's credit cards in Hong Kong. You can pay the deposit and settle the account in Hong Kong dollars in cash. Anyway, you need to prepare Hong Kong dollars in cash for other expenses.