Major credit cards i.e. Visa, Masters, HSBC are accepted throughout Shenzhen. JCB and American Express have limited coverage. Cirrus, Plus & Maestro facilities allow owners to withdraw money from banks. Remember to activate your card for the pin usage. MixC has ATMs for some of the international Credit Cards, wherein cash can be withdrawn in those ATMs against your credit limit.
Bank of China, China Merchants Bank, and most Chinese banks accept foreign cards. You may check with your bank to see if they have a local branch here. Most ATMs are open for 24 hours. Some are only opened if you swipe the card at the security doors.
At places in Luo Hu, Cash is highly recommended. Some places charge an extra 10% for credit card purchases. The shop assistants will bring you to shops that have credit card processing machines. At Shopping centers, remember to check with the cashiers to see if they accept credit cards before making purchases. There are few shopping centers that accept credit card with passport verification, though you may lose your discount on the purchase.
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