Reading through the wiki, I'd like to make a pointer:
On the part that says:
"If you've been hit with DCC and the merchant did not follow the Visa/MC rules, you should file a dispute."
Dispute where should be clarified.
- To VISA or MC?
- To your credit card issuer? If so, which department? Clueless frontline script reading CSRs in India over the phone? CSR supervisors who are hopefully based in the US? Specific department?
- To the network bank that did the DCC? If so, which department? Clueless frontline script reading CSRs over the phone? CSR supervisors? Specific department?
- The merchant? If so, is the dispute towards the minimum wage cashier who doesn't care and has no management authority? The manager who's following management rules and has no authority to override board member decisions? Or the board members of the company itself?
- The POS terminal manufacturer?
There's many players in the credit card transactions environment so
where and
whom to dispute to should be spelled out.
And if possible I really suggest creating a downloadable template for this to make it easier to do disputes. They make the DCC process systematic to their benefit with layers of corporate bureaucracy, but there's no systematic method to file a dispute. Then, it's up to us as consumer to make it systematic to do disputes as well.