Surprising that they didn't mention the biggest, which is Chinese citizens going to Hong Kong, buying things with credit, then returning those things to the store for cash, which can be in any denomination. Then they take the cash to a HK bank, open an account, and badabing they have an overseas bank account.
That is kind of cumbersome, right? Plus when you deposit cash in a bank (especially large amounts), aren't questions asked?
This method (if it works) is also risky for stores because of the risk of chargebacks.
I can't believe this method is used on by many. Not many stores have a gentle "open arms" policy towards customers returning goods they don't want anymore. Especially when customers are not local, I mean Hong Kong shops accepting goods returned from people who do not live in Hong Kong.