It has a lot of possibilities that I don't even bother to discuss.
My simple suggestion - can you "KINDLY" ask Citi to waive the fee as a one-time courtesy?
And next time - please use something else.
Originally Posted by
JALPak
Assuming there's not remark stating the charges will be in HKD, can you dispute the purchase? CX quotes the charge in USD for you and that's the amount you agreed to pay for. But instead they charged you in HKD without informing you.
A fee can't be disputed, as it was assessed by Citi, not CX.