Many bloggers actually haven't used Hong Kong cards much themselves.

Let me tell you, foreign cards generally have a lifespan, and quick in-and-out transactions will get your account closed by any bank.

It's just a matter of time. Banks like HSBC and Standard Chartered are known for closing accounts across their entire network.

What does that mean? If you open a Standard Chartered Hong Kong account and it gets closed, your Standard Chartered Singapore and Dubai cards will also be closed. There's a bug: if you used a Hong Kong-Macau travel permit to open the account, you might be able to open another account with a passport in a different region, but it might also fail. Don't ask me how I know these things.

Once your account is closed, it's very difficult to reopen it. For every transfer, try to ask your account manager first. When dealing with sensitive regions, there are always restrictions on the amount each time. Generally, if you deposit about 70% of 1 million into wealth management, they usually won't close your account. But if you frequently deposit and withdraw, your account might be closed within a month or so.

I have used various small banks like OCBC, ZhongAn, Bank of China, China Merchants Bank, CMB Wing Lung, HSBC, Standard Chartered, DBS, Hang Seng, and others. The logic is all the same.