I originally got a Hong Kong bank card to receive Elon Musk's Creator Benefit so I could spend money abroad. But then I discovered that outside of Hong Kong, I have to pay a 1.95% foreign currency transaction fee for purchases elsewhere... Not only is it less convenient than Binance, it's even less convenient than Alipay. So what do you all use the money in your Hong Kong bank cards for? Buying Hong Kong stocks?