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"I have no proof, but I suspect that for premium cardholders who also travel a great deal most major issuers have an almost automatic reversal of DCC."

That means the bank did not bother to dispute properly. My current attitude is to encourage the bank to actually dispute and give them all required documentation to do so, however if they refuse then we should still take the bank' money because it is compensation for them not doing the job properly and if they are forced to comp enough they might do something about DCC like force visa to police the system properly and get tough with chronic violators like Bank of China.