Should I call it Saigon or Ho Chi Minh?

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Officially, it's Ho Chi Minh City (HCMC). However, "Saigon" is commonly used and often refers to the historic city center. Using "Saigon" may be acceptable in casual conversation, but HCMC is the formally correct and universally understood name. Context matters; when in doubt, use Ho Chi Minh City.
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Saigon or Ho Chi Minh City: Which name should I use for Vietnams city?

Okay, so this whole Saigon/Ho Chi Minh City thing is tricky. I lived in District 1, near Ben Thanh Market, for six months in 2018. Everyone just called it Saigon. Locals, expats, even the motorbike taxi drivers.

But, officially, it's Ho Chi Minh City. Right? It's on my visa, on every official document. It feels... stiff, though.

I remember this one time, I was hailing a Grab (like Uber) and said "Saigon". The driver totally understood. Then later, a Brit friend corrected me; he felt it was disrespectful. I felt kinda dumb.

It's like this weird cultural thing. Saigon is more... evocative, you know? More personal. Ho Chi Minh City sounds official. Cold.

So, I think it depends on context? Formal writing? Use Ho Chi Minh City. Casual chat with friends, locals? Saigon's fine. But be mindful of who you're talking to. Ultimately, the official name is Ho Chi Minh City.