Close to the topic of this thread. About two weeks ago I bought something in Turkey using my Visa debit card. My intent was to use a Visa credit card, but absentmindedly used the first piece of plastic with a Visa sticker on it that appeared in my wallet.

When I arrived home I called my bank to see what the converted charge was, and it was only 1% off the floating rate on the day I made the purchase. A couple of days ago my bank statement arrived at home, and there were no foreign or domestic ATM fees added.