Originally Posted by Majuki

I don't care about those people behind me. At that moment, I'm just trying to make sure I don't get ripped off. Those people behind you aren't looking out for your best interests, unless they're those of us on the thread of course.

According to visa with the posted dates (and assuming your card is 0% FTF):
6/22: 10.70 EUR = 14.59 USD (13.43% DCC scalp and overcharged $1.96)
6/24: 33.07 EUR = 45.02 USD (4.53% DCC scalp and overcharged $2.04)

Are you sure this was 10.70 EUR? And which Chase card are you using? It has 0% FTF, right? If the transaction was 10.70 EUR then that DCC amounts to usury.



It might not get to that point. If Chase issues a credit over the phone and decides to eat the $1 or $2 DCC scalps here and there, that's fine from the consumer. However, there is a threshold where they will do an investigation and send you paperwork to fill out and send back to them. At this point you pull out all of the stops and send them copies of the receipts, photos of the merchant copy defaced with forced DCC (or a checkmark next to the local currency), and in that paperwork you then request a Reason Code 76 or Message 4846 chargeback stating that the merchant did not offer you the option of paying in local currency even though it was requested. I would even pay for the postage to mail this paperwork back to Chase certified mail. It's not about the money. It's about the principle. I want to be as big of a pain in the rear about forced DCC and waste as much time and effort for Chase and the offending merchant as possible until this scourge is reined in.