Originally Posted by
TerryK
Why bother with all these if you have a Chinese bank account?

You can link your Chinese bank account to WeChat payment directly. I don't have, and doesn't want to open, a Chinese bank account.
I don't have a China-issued
credit card; additionally, keeping a ton of RMB on hand given its downward trajectory doesn't feel like the smartest thing at the moment, and it's hard to do USD-RMB transfers remotely. The USD-denominated UnionPay card would in theory solve all of these, if it worked...