They do have Union Pay, which is a special, China-only credit card.
Not China-only. Union Pay is widely accepted in the United States, and probably every other country. Even small gas stations in the middle of nowhere take Union Pay.
I was SOL a couple of times visiting India and Netherlands, which I scarily found did not take UnionPay cards period! Always bring plenty of backup cash (USD, not RMB) and a credit card or two, especially if you are using Chinese ATM cards.
India kind of makes sense, but the Netherlands? Seriously? I hope things are different now.
Many places in NL only accept Maestro and Visa Electron cards (pin payment cards, as they call them), and won't take any other regular major debit/credit cards. Including UnionPay.
Not China-only. Union Pay is widely accepted in the United States, and probably every other country. Even small gas stations in the middle of nowhere take Union Pay.