We have experience. My husband's wallet was robbed by a group of thieves. They are very active in MTR, train stations. Don't put your wallet at the back of your pants. Large MTR stations where many exits and trains go by are particularly dangerous. The safest time is before 11:00am because the thief is still sleeping. Don't use wallet at all, put some money in your pocket. I have a bag which is like a thick belt and I put one credit card and most of the money there. You can get it in Wing On.