Sam's Club shopping discount hack: 1. Highly recommend shopping at Sam's Club—great quality. 2. Get the Premium Membership for ¥680/year. 3. Apply for the HSBC Pulse Diamond Dual Currency Card—you know the drill. 4. Practical setup: In the HSBC Reward+ App, set up 'Red Hot Rewards' → 'RewardCash for All' → allocate an extra 5X rewards. 5. How to use: Pay via Apple Pay or UnionPay QR code. 6. Total discount: Sam's Club 6.4% = HSBC Pulse 4.4% + Sam's Premium Membership 2%. Breakdown of Pulse's 4.4%: Base 0.4% + RewardCash for All 2% + UnionPay QR code payment 2% = 4.4%. 7. For daily life, JD.com + Meituan also support UnionPay QR code—stay home and live the chill life. 8. HSBC Pulse Card auto-repays, no need to teach you how to cash out, right?