If your parents agree, it is ok to spend money abroad with their credit cards, but some stores and storefronts will require ID cards. If the card and ID are not uniform, you may not be allowed to swipe your card.

In fact, UnionPay debit cards can be used in many places abroad, but not as many places as UnionPay VISA dual-currency cards, and you can also exchange foreign currency locally.

If you are not particularly anxious, I suggest you apply for a supplementary card for your parents' credit card master card, which is safer and will not lead to the freezing of credit card violations.