Originally Posted by
YariGuy
I got a US-based Unionpay card from ICBC USA. This was in the days when DCC (look it up if you need to) was rampant in China. My experience has been that Unionpay cards issued in the US are just like other US-based cards: pretty useless in China.
I also have a Discover card. Discover uses the same payment network as Unionpay in China. It's also pretty useless in China.
With the case of the BOC Unionpay card, there wouldn't be any DCC. The debit card is linked to your personal bank account denominated in RMB.
Of course, if it's a matter of country of issuance, then that's a different story- the bank and card would be German with a DE IBAN. Like how some merchants in China can only process Mastercards issued in mainland China, and how certain other services work the same way for other countries (where country of issuance matters).