⌟ Mainland China U Card Avoidance Guide ⌝ Yesterday, while shopping at the mall, I continued testing how convenient it is to use the U card for purchases. Since Alipay and WeChat charge a 2% foreign exchange fee, I thought using a physical card would help me avoid the monopoly financial giants' scythe. Turns out, I was charged a total of 5.5% in additional fees—really frustrating. Here’s how to avoid this trap: ✅ When swiping your card, the cashier will ask whether you want to pay in USD or CNY—always choose the local currency! The same applies in other countries. This way, you’ll only pay 2% FX fee + 0.9% crypto-to-fiat conversion fee—just 2.9% total, which is way cheaper than 5.5%! 🔹 Always choose the local currency—sharing this with everyone. Wishing you all more profits, more spending, and daily happiness.