Originally Posted by
gil123
No- You should NEVER select DCC.
Sorry that was a typo. Should be "don't"
Originally Posted by gil123
And unless you notice how the charge is going through at the point of sale, you won't necessarily notice anything on your credit card statements. Checking my Chase card, both the charges that went through in XCD and those the merchant converted against my will to USD show up as USD without the conversion noted.
Always keep the receipts as proof. If it's somehow not doable, take a good photo of it with your digital camera.
But for the rest of us, we should have the choice and not have to dispute with the card issuers every little transaction.
Accept that $hit happens. 50% of the time it works, 50% of the time $hit happens. And when $hit happens, faster and less stress to create a template like this:
Dear [card issuer]
Several transactions has been charged a different amount than I chose while on vacation in [insert country].
Please see to it that I am credited back properly for these following transactions:
ABC Store Delhi, India 2013/1/4
transaction chosen as shown on receipt: INR 3000 (exchange rate at the time of 2013/1/4: USD 55.21; derived from other transactions on that date that posted properly)
transaction reported on my credit card: USD 59.00 (rate shown per the DCC amount which I did not choose as shown on my receipt)
amount to credit back to my account: $3.79
[insert jpg of receipt]
Regards,
kebosabi
and mail it out to your credit card issuer. It'll be resolved as that and it has worked for me.
Keep it simple but concise. Bullet point what needs to be done, point out the irrefutable proofs, and it'll be re-credited back to your account.