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?
Contrary to jeffjaguar's response I would answer with a resounding no. I've EMV cards from HK (still have to be signed) and still get DCCed all over China. It's not too hard for Chinese bank engineers to engineer fxcked firmware that returns a default "yes" to any DCC opt-in query so long as Visa/MC don't have a compliance program in the PRC and can't kick the big 4 or even the secondary banks out altogether.
I have experience with DCC outside of China and whilst I've encountered
aggressive DCC behaviour, no country is so badly policed as the PRC in terms of DCC. Taiwan had a period of
non-opt out DCC for a while in 2011 but someone stepped in and they're all good now.