Cash still king

I could not believe that with such "highend" society like Hong Kong, I
could not use any CC to do any payment or use any online banking!
What the bloody hell?

1) I cannot use a non-own credit card to pay for my insurance
premium! Can you believe that? What I meant was I cannot use my CIBC
or any to pay for the annual premium at AIA! I need to use either its
own credit card or cash! That is when I pay at the cashier counter.
But with my own agent I can but she got charged 3% of the value! And
she has to pay out of her own pocket for that and MUST get her boss to
approve it? Huh? So I did the next best thing, take out cash from
the bank. It was funny! At the AIA cashier desk, she counted the
cash as expected and then she had to record every single serial number
of each paper money and had me sign them! What the bloody Hell?

2) Thanks to HSBC I could not do any online banking wiring or transfer
due to its policy of daily limit. But the daily limit doesn't really
work for me. I had to be at the bank myself to withdraw. Guess what,
it was faster for me to get Queen of Macau to get me round trip ferry
tickets to Hong Kong from Macau. Headed to Hong Kong, walked from the
Ferry Terminal to Central where HSBC located, had the guy counted out
my money, signed and left, head back to Macau and deposited to my
other bank! Hey, that was what I did!!!! My initial amount of online
wiring still not showing up after a day!!!!

O yeah, this HSBC bank should be renamed to HBSC bank (Holly Bull Sh!x
Cxxxt) bank. I have just found out, I cannot withdraw my own money
without some sort of fees! 1) USD5,000 or more, USD7.56 fee. 2) AUD/
NZD/CAD withdrawal are limited to 1,000.00. 3) Cheque writing from
HKD issued by the bank is HKD100 in fee. 4) Purchase investment such
as shares being hold at the bank has a monthly "holding" fee attached,
HKD 250.00. 5) Online wired transfer is HKD 120 per.