You can swipe your mainland bank card or credit card when shopping in Hong Kong, and try to use a dual-currency credit card when traveling to Hong Kong and other places. "Consumers can take a small amount of foreign exchange with them when they travel abroad, in case of small consumption such as taking a taxi and buying snacks, and use a dual-currency credit card for large consumption. The biggest advantage is that consumers can take advantage of the overdraft function of credit cards and fully enjoy the interest-free period of credit cards.
It's best to use UnionPay cards when traveling to Hong Kong. The acceptance coverage of UnionPay cards in Hong Kong has exceeded 90%, and UnionPay generally directly converts Hong Kong dollars into RMB according to the exchange rate of RMB against Hong Kong dollars on the day of card swiping, and is free of currency conversion fees; However, if Hong Kong tourists use foreign cards such as VISA and MasterCard for shopping, they have to pay a currency conversion fee of about 65,438+0.5% of the consumption amount.
Extended data:
When using UnionPay cards overseas, you must identify the "UnionPay" logo posted on the ATM of merchants or banks, and only the places where the "UnionPay" logo is posted can accept UnionPay cards. Overseas, the same merchant may have multiple acceptance networks, so when shopping with a credit card, it is best to remind the merchant that you have to settle through UnionPay network. Debit cards with UnionPay logo are also acceptable.
There are many ways to repay overseas credit card consumption. Consumers can repay overseas by swiping their cards in the following three ways: first, they can repay directly in US dollars; 2. Bring the credit card voucher, credit card repayment slip and ID card to the bank outlets for repayment of RMB purchase of foreign exchange; The third is to call the relevant bank's credit card service hotline to entrust RMB repayment.
References:
China unionpay Baidu encyclopedia
Hong Kong Travel Shopping Tips Xinhuanet?
Overseas travel saves money by spending credit cards. There are many people's networks.