Since the beginning of this year, the winning rate of Hong Kong stocks has been getting lower and lower. I am no longer as fanatical and mindless about new stock subscriptions as when I first came to the Hong Kong market. I only subscribe to particularly strong ones, such as Hengrui, Midea, and Auntie Shanghai. But I didn't win any, and it doesn't matter. After all, if I win, I still have to deposit money or exchange currency. If the stock rises after listing, that's fine, but if it loses 10-15%, that would be a Davis double whammy (double loss) ~ heart-wrenching! On the 28th, I exchanged 20,000 Hong Kong dollars, preparing to deposit into a Hong Kong card, but the mainland card failed the review. I had no choice but to sell the foreign exchange, losing 36 yuan in the process, because transfers between mainland cards can only be done in RMB (I don't know which big shot set this rule). On the 25th, I planned to use an Agricultural Bank card to play with cross-border payment, but couldn't find it on the app. The customer service told me that currently, only residents of the Greater Bay Area can use this service, which shocked me! On the 29th, I directly used a Bank of China card to transfer 20,000 to a Hong Kong card, and it was credited immediately. Comparing the two, it's obvious which one is more unreliable. Those banks that were not good at cross-border payments and remittances in the past shouldn't have been on the first list, but they have high status, so users can only stay away.