Originally Posted by zyxlsy

I totally agree with you that it fluctuates a lot.

I wasn't expecting the GBP to USD rate to change this big during two days.

From MC:

4/9 1.67640096829
4/11 1.67189971277

From Visa:

4/9 1.674200
4/11 1.682000

4/9 is the transaction date, 4/11 is the posting date.

Mine was 1916 GBP to 3223 USD, so I assume it is a Visa transaction using the rate of 4/11, the posting date, not the transaction date, which is quite confusing. Why it doesn't use the rate of the transaction date, since the transaction happens on that date?

Also interesting, even though my IHG card has become MC, I still used the Visa card numbers (which is said to be invalid in a month) for this transaction. It's like two numbers are linking to the same account. Looks like when I used the Visa number, I got the rate of Visa. If I was using the MC number, I don't know, maybe I could save a few bucks, as the MC rate on 4/11 is cheaper?