Originally Posted by
lingua101
Well I can "tolerate" more if this is happen in China, but not HKG. HKG is an international financial centre and they should do thing in international standard.
Further evidence we're becoming just another Mainland city.
Surprising Fortress is doing it though. I wanted to tell you the general acquirer for AS Watsons group including Fortress is DBS *but* I've just been told Fortress (as well as its largest rival, Broadway Electronics) uses multiple acquirers for Visa/MC - Fortress as well as Broadway are large enough to have multiple banks' card terminals behind their sales counters and they try to match cards with their issuer banks to minimise interchange fees. So *I cannot say with certainty that DBS acquired your DCC slip*.
In HK merchants don't have to identify their acquirers (in PRC and Taiwan they do or we can figure it out anyway) (but I don't think Singapore merchants have to either). There is no way to make a complaint directly against the acquirer.
Originally Posted by
lingua101
Those of transactions have not showed up as the final charge into my account. So it may be just the SMS issue with Citi. I know Citi sms notification has issued when the transaction got amended.
I withdrawn money in Citi Beijing. I keyed in 5000 RMB instead of 500. So when it showed me the amount in SGD, I cancelled it and changed to 500. But the SMS alert that I received show 5000, which later on I checked in my account. They deduct 5000 RMB and do reversal of the same amount and then the correct transaction is posted.
But the SMS alert is not "smart" enough.
so I have to wait until it got posted.
I think the charge is just an error since you cancelled the transaction in the last minute.
But in general, if the SMS amount matches the SGD amount of the DCC you've been DCCed - see my
Dongguan Golf Club card slip. Time to start asking for the slip to be voided (
hopefully it won't take 30 minutes).
Originally Posted by
lingua101
For Beijing case, I will forgone as it is with HSBC and I sicked and tired dealing with HSBC. I am probably in the "hate" list there!!!
HSBC in China is the second most notorious practitioner of compulsory DCC...
But, they aren't the acquirer in your case (the no. 1 practitioner is -
Bank of Cheapasses). And in HK, HSBC is one of the more consumer friendly banks in my view.
Correction 2:34AM: I received another PM that says Fortress is most likely DBS HK (DBS Bank (Hong Kong) Limited) as acquirer - the other terminals are for instalment payments only, or to facilitate redemption programmes on other cards. Therefore, your chargeback complaint, once completed, can be forwarded to:
Visa HK: http://www.hongkongcard.com/forum/fo...ow.php?id=5021
Visa Hong Kong Limited
Suite 1113-1119, Two Pacific Place, 88 Queensway, Central, Hong Kong
-and-
HKMA: http://www.hkma.gov.hk/eng/key-funct...eaflet_b.shtml
for further action on their systematic error (defaulting to DCC charging, which is against the DCC requirements in the VIOR).
I know we are becoming a Mainland city, but I hate to think we are one already. Please prove me correct.