Wow thanks for the long reply percysmith. I hate the way they do it in HK/CN. In BKK, the first think is the conversion rate, then the merchant will normally show you this small slip and ask if you want to pay in which currency.
Few occasion when I was in HKG (the last is HKG Duty free), they asked me which currency and I told her HKD, and the terminal slip show in HKG
Actually I still do not understand it for those carbonize copy, so what if I select the HKG/RMB(CNY) here? the transaction has already done right? so does it matter of what I thick?
Why Visa/MC allow this? I think the one they do it in BKK is better.
Originally Posted by
percysmith
If the Citi SMS SGD amount matches the SGD amount on your slip, the Hong Kong merchant has applied Dynamic Currency Conversion against your wishes (set to default). This is non-compliant and you should raise a Reason Code 76 Chargeback request with Citi Singapore once the amount posts.
http://usa.visa.com/download/merchan...n.pdf#page=928
Fill in this:
http://www.citibank.com.sg/global_do...isputeform.pdf .
I think you have to fill in others: "Billing currency not valid - HKDxxx.xx indicated in card slip but SGDyyy.yy charged by merchant by way of Chargeback Reason Code 76 per VIOR".
Do you happen to have a carbon copy of the slip? If yes, attach and your case should be slam dunk.
I do remember the transaction in FOTRESS is using the carbonize copy and I kind of remember that I selected HKD and the SMS came in SGD and I believe the amount is what stated as SGD amount.
What happen if I do not have the slip anymore (i.e. lost)? There are quite of number of transactions. Will it worth to dispute it one by one?
Originally Posted by
percysmith
If thermal slip this is more tricky. You have to have taken a photo of the slip you handed back to the merchant, otherwise Citi SG will have to go and retrieve it from the HK merchant.
This will take long time for the reversal right?
Originally Posted by
percysmith
Some of the FTers frequently travelling to/based in PRC have taken extraordinary steps to reverse engineer the cursed DCC terminals, with the help of sympathetic merchants.
But the PRC banks have all but deleted the cancel button and
in recent cases have deleted the void button as well (St Regis Shenchen Decanter Bar).
With thermal terminals, the terminal is meant to stop for merchant to make a selection before printing the cardholder copy (this is the case in Australia and Taiwan). In the PRC, the non-compliant terminals will print both copies together, without waiting for your selection. If that happens, you've been DCCed, and should seek to cancel or void the selection per below:
Getting out of DCC (PRC and HK DCC in particular):
1. Ask merchant to void the transaction and re-run with DCC declined
2. Void the transaction and pay by alternate means (AE will be great here - AE cannot be DCCed - one of big big advantages of using AE overseas)
3. (If the merchant says voiding is impossible or requires a 30-minute call like St Regis Shenzhen) Make the currency selection, sign the slip, *photo* the slip with your smartphone and send the photo to your card issuer with the Reason 76 Chargeback request when the inevitable SGD charge gets posted.
Why Visa/MC allows this to happen? Shouldn't Visa/MC make a rule for offering DCC? Well I did choose the RMB, the case in PEK airport. When they told me they had charged me in SGD and they need to make a phone call to reversed it.
They asked me to change the slip choices to SGD, and I notice
the slip has a rubbish statement that I have been given a choices.