Originally Posted by
Majuki
Wrong. Wrong. Wrong. Wrong. Wrong. By definition, a FTF will be levied on any foreign transactions, regardless of the currency denomination of the transaction. So even in the person faced with this choice follows this advice exactly and "correctly" chooses DCC because the fee is only 2% vs. the issuer's 3%, the customer will have just paid a 5% surcharge for that transaction. Never ever accept DCC, especially if your card has a FTF. The choice is abundantly clear if your card charges a FTF.
Thank you! Not long ago a friend of mine was telling me how wonderful it was that BHV in Paris (owned by Galeries Lafayette iirc) could charge her in Australian dollars, therefore saving her oodles of money. Hard as I tried I could not convince her to select euros next time she was faced with DCC. I'm going to commit your post to memory as it explains beautifully and clearly what I was trying to tell her.