By Andrew 由鄭家富

I have been asked many times if Credit and Debit cards can be used in China. 有人問我很多次，如果信用卡和借記卡可以在中國使用。 The simple answer is YES, in most cities. 簡單的答案是肯定的，在大多數城市。 Hongkong should be no problem, Shanghai and Beijing also should not pose too many problems. 香港應該沒有問題，上海和北京也應該不會構成太多的問題。 Nanning, Guangzhou and similar cities also should be OK. 南寧，廣州和同類城市也應該會沒事。

Tips…although your card will be chip and pin you will in nearly all cases be asked to “sign for” do not let it out of your sight. 提示… …雖然你的卡將芯片和PIN ，你將在幾乎所有的情況下被要求"的標誌為"不要讓它離開您的視線。

They can be used in the majority of the larger hotels, but not all cards will be accepted, in my experience VISA appears to be the most readily recognised and accepted. 他們可以用在大部分具規模的酒店，但並非所有的卡會被接受，在我的經驗簽證似乎是最容易明白和接受。 Before you leave for China, notify your bank (for Debit card) and the credit card company that you will be in China on the given dates, they will then flag up your account and you should not have to many issues. 您離開之前，為中國，通知你的銀行（借記卡）和信用卡公司相信，你將在中國對給定日期，然後將國旗了自己的賬戶，你不應該有很多問題。 You may also still find after your first attempt at using either they will still be declined with the message “refer to provider”. 你可能也仍然覺得很後，你的第一次嘗試，在使用，他們仍然會拒絕與信息" ，是指提供者" 。 Do not panic just phone your Bank or card company at your earliest. 不要慌張剛才電話你的銀行或信用卡公司，在你的最早的。 Tips…So always carry your card and bank contact phone numbers with you and also the numbers to report lost or stolen card. 竅門…所以總是隨身攜帶身份證和銀行聯繫的電話號碼與您也人數報告丟失或被盜卡。

On my last few visits to Nanning I used both my debit card and credit card in Hotels, Department stores and ATM machines with varying and erratic degrees of success. 對我過去幾年探訪南寧我用我的借記卡和信用卡在飯店，百貨公司和自動取款機變和不穩定程度的成功。 For instance, the ATM machines happily accept Debit cards but will vary on the daily amount given, I use Bank of China ATM’s only and found that at some Branches 2000RMB per day was permitted and others I was able to draw 3000RMB per day. 例如，自動櫃員機愉快地接受借記卡，但會見仁見智，每天的數額給予，我用中國銀行的ATM上唯一的，並發現，在一些分行2000rmb每天被允許和其他人，我能夠得出3000rmb每一天。

Tips…When the machines are empty of cash no indication was given, only that withdrawal was declined, it was only after asking the security guard (present in all Banks) that he informed me the machine was empty. 竅門… …當機器是空洞的現金，並沒有跡象顯示被賦予的，只是退出遭到拒絕，也只是在後，要求保安員（目前在所有銀行）表示，他告訴我的機器是空的。 So this could be misleading as the first reaction is to think someone has cleared your account out. 因此，這可能產生誤導作用，作為第一個反應是覺得有人清理你的賬戶。

Tips… Also worth noting in the Department stores credit cards are preferred.There are numerous “pay” counters scattered around where you pay for your purchases, these vary in what they will accept, it is worth pointing out to the sales assistant that you will be paying by International card, she will then direct you to the correct counter. 秘訣…也是值得注意的是，在該百貨公司信用卡是preferred.there是無數個"付"的櫃檯，周圍散落的地方，你為你支付購買 ， 這些不同是什麼，他們會接受，但值得指出的，以銷售助理說，你會要付國際卡，她就會直接把你帶到正確的計數器。 Internet connections are variable in China and as these transactions require Internet connection, sometimes this will be down and once again you will not be able to use your card. So in summary, Larger Hotels, Department stores and restaurants will in most cases accept International Credit cards and ATM’s will accept Debit cards. 互聯網接入服務是可變的，在中國，並為這些交易需要Internet連接後，有時會下降，並再次，你將無法使用你的卡，因此，總而言之，大飯店，百貨公司及餐廳將在大多數情況下，接受國際信用卡卡和ATM的，將接受借記卡。

Tips…Beware, never let the card out of your sight. 竅門…小心，絕不讓卡離開您的視線。 Although your cards will be chip and pin it is highly likely that all transactions will be “sign for” 雖然你的卡將芯片和PIN的可能性也相當高，所有的交易將是"跡象"

Do not be fooled by the reaction you might receive in smaller shops, they will appear at first to accept your card and go through the process of purchase, it is usually at this point the machine will reject it as they are not allowed to accept international transactions (only domestic transactions), it is likely that the shop staff have never encountered this before and it will throw them into orbit, managers will appear, your card will be passed from one to another, do not let it out of your sight and finally when all else fails they will probable offer to walk you to the nearest ATM to draw the cash. 不要被愚弄了反應，你可能會得到較小的商店，他們將出庭應先接受你的卡和辦理過程中的採購，它通常是在這一點上該機器將拒絕它，因為他們是不容許接受國際社會交易（僅國內交易） ，它很可能認為該店的工作人員從來沒有遇到過，而且會扔它們送入軌道，經理人將出庭，你的卡將被通過，從一個網絡向另一個是，不要讓出你的視線最後，當一切的失敗，他們可能會提供給你步行到就近的自動櫃員機提請現金。 This happened to me in Nanning on my first visit, I declined there kind offer and walked away and ended up purchasing a similar product in the larger department store using my credit card. 這件事給我在南寧對我的第一次訪問，我謝絕了，有一種提供走開了，最後購買的類似產品，在規模較大的百貨商場用我的信用卡。

Tips… When you do make purchases remember the Chinese are great hagglers. 竅門… …當您做出購買記住，中國是偉大的hagglers 。 The only places where the prices are usually fixed and not negotiable are the large department stores but it might be worth a go. 只有地方的價格通常是固定和不可轉讓的是大型百貨公司，但它可能是值得一去。 Everywhere else, especially the street vendors, Haggle, Haggle, Haggle the prices can be talked down. 世界各地，特別是街頭攤販，討價還價，討價還價，討價還價，價格可以談下來。 Ideally let a Chinese national do this for you. 最好讓中國國民為你做這件。 They know how to do it… and stay out of sight yourself, as soon as there is a glimpse of a westerner the price will double. 他們懂得怎樣做… …並留出視線，並儘速有一個一瞥一個西方人的價格將翻一番。

Andrew, 鄭家富， mynanning.blogspot.com mynanning.blogspot.com