If it is so difficult to use a credit card in China and get a fair rate, so using cash is easier, what do you do about getting the large amounts of cash to pay for hotels? Do you pay a $500 hotel bill in cash? Do you carry around that much cash while traveling in China? Will ATM's in China disburse so much cash in one transaction or is there a limit as to how much you can get per withdrawal? I just don't like carrying the equivalent of hundreds of dollars around in the form of cash in case of it being stolen from a hotel room or being pickpocketed or robbed. Plus I'd like to get FF points for my spending while on vacation.