The mere fact of what you have written kind of show you have truly not travelled around. I travel to china on a regular basis and 99% places do not accept Visa or Mastercard. Whether it is issued by malaysian or singapore banks, doesn't matter. They just do not have the facility to accept. Unionpay no problem even for those issued in malaysia. Taiwan has NO union pay and accept all forms of visa and Mastercard. I have no problem there. In Japan my malaysian credit card was used last week to buy a shinkansen ticket. No problem there. Purchased a blue label bag for missus using my malaysian issued card. No problem.

Either you are assuming heavily based on your fictitious tour guides or you might have ventured into Zimbabwe instead. But then again Zimbabwe does accept malaysian issued credit card.

Despite receiving hundreds of replies from people who had actually travel overseas more times than you take mrt to work, you still refuse to accept the truth. It is a wonder singapore can accept your bloody mentality.

The worse is you rely on pig dog friends who thinks you are of pig dog quality to give you pig dog experiences on using malaysian credit card overseas.

Grow up.