I have read a few threads here about people nervous about VISA and others reporting their card activities. I thought, why not open a Chinese bank account (not in China), they have branches outside China. I think other banks offer Union Pay cards too so may not need to be at a Chinese bank, for example I seen a bank in the Seychelles that offers Union Pay cards. Once on the Union Pay network they report to mainland China and not you the western countries correct? Unless your a mainlander that would be ok for use westerners. I am sure there are some mainlanders here that can offer some input.