> Chinese credit card is not allowed for OpenAI API.
A lot of online services don't accept Chinese credit cards, hosting providers for instance, so I don't think that is specific to OpenAI. The reason usually given for this is excessive chargebacks of (in the case of hosting) TOS violations like sending junk mail (followed by a charge-back when this is blocked). It sounds a like collective punishment a little: while I don't doubt that there are a lot of problem users coming from China, with such a large population that doesn't indicate that any majority of users from the region are a problem. I can see the commercial PoV though: if the majority of charge-back issues and related problems come from a particular region and you get very few genuine costumers from there¹ then blocking the area is a net gain despite potentially losing customers.
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[1] due to preferring local variants (for reasons of just wanting to support local, due to local resources having lower latency, due to your service being blocked by something like the GFW, local services being in their language, any/all the above and more)
It's definitely not a commercial thing but political.
I'm located in Hong Kong and using Hong Kong credit cards have never been a problem with online merchants. I don't think Hong Kong credit cards are particularly bad with chargebacks or whatever. OpenAI has explicitly blocked Hong Kong (and China). Hong Kong and China, together with other "US adversaries" like Iran, N. Korea, etc are not on OpenAI's supported countries list.
If you have been paying attention, you'll know that US policy makers are worried that Chinese access to AI technology will pose a security risk to the US. This is just one instance of these AI technology restrictions. Ineffectual of course given the many ways to workaround them, but it is what it is.
A lot of online services don't accept Chinese credit cards, hosting providers for instance, so I don't think that is specific to OpenAI. The reason usually given for this is excessive chargebacks of (in the case of hosting) TOS violations like sending junk mail (followed by a charge-back when this is blocked). It sounds a like collective punishment a little: while I don't doubt that there are a lot of problem users coming from China, with such a large population that doesn't indicate that any majority of users from the region are a problem. I can see the commercial PoV though: if the majority of charge-back issues and related problems come from a particular region and you get very few genuine costumers from there¹ then blocking the area is a net gain despite potentially losing customers.
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[1] due to preferring local variants (for reasons of just wanting to support local, due to local resources having lower latency, due to your service being blocked by something like the GFW, local services being in their language, any/all the above and more)