Originally Posted by
moondog
My wires to Chase, Citi, and JP Morgan (all NY banks) reliably post at 9a EDT/EST
So the real rate Chase uses would be the rate that Visa USA gives for the posting date shown on the Chase website?
Originally Posted by
Majuki
The next trip overseas is to Taiwan/HK/Macau/possibly Mainland China, so this was the warm-up.
Really suggest you get a AMEX Plat or Discover for back-up. Only use your Visa/MC in big Western chain hotels in Mainland China.
Originally Posted by
cxua
Just wanted to give my experience regarding DCC in GAP store Hong Kong Hysan plaza. I used my US Chase card and the cashier presented me to sign a slip that showed the USD and HKD amount. I was thinking, damn, I got DCC'd. I didn't want to make a fuss out of it since I had friends with me. I simply X'd the HKD box and signed the slip.
My email notification showed the USD amount and I was certain I was forced into DCC. When the payment cleared from pending to sales, it charged the HKD amount, which was several dollars cheaper.
Either they went back and re authorized in HKD, or it was done different than other system I have encountered. I was quite shocked.
My experience with HK DCC terminals is that they always hold the DCC amount, and then post the HKD amount. If you tick the HKD box, usually (as least at pricey stores like Hermes or Van Cleef), you get a final slip showing HKD charged. So don't worry that much in HK. It's not like BoC machines in Mainland China that the currency boxes are for ornamental purposes only... lol