Originally Posted by
ccohen322
I didn't see this covered, so I guess I'll ask here. If one has an EMV chip and pin card, is it possible to always avoid DCC by not entering his/her pin number until they can confirm they'll be billed in the local currency?
I will answer with a definite maybe. All I can tell you that when checking into my hotel in London last year with a chip and signature card, the clerk handed me the pin pad and the first thing it asked is which currency I wished to pay in, sterling or US dollars. I assume that's the first thing that happens in a chip and pin transaction. However, it is possible for certain dishonest merchants to push the "your currency" button before handing you the pin pad. So the answer is a definite maybe.