Originally Posted by
Majuki
but I believe this method should work when requesting credit for a forced DCC transaction. In summary for Chase cards:
- Save your receipt and wait for the transaction to post to the Account Activity online
- Use the Visa USA exchange rate from the Post Date and multiply the exchange rate by the amount of the local currency on the receipt
- Subtract the result from the USD amount on your receipt to determine the dollar amount by which you were overcharged due to DCC
- File a dispute with Chase for this amount and request a Reason Code 76 chargeback stating that you were not offered the option of paying in the local currency
With respect I disagree:
To tell whether you've been DCCed: if card currency amount (us$ in your case) on the slip matches posted amount, DCC.
Reason code 76 chargeback: always ask for full chargeback in the first instance. Never offer to calculate what the amount should have been as it is merchant's obligation to post in local currency properly after chargeback completed. Only where issuer does not offer to chargeback do you accept a calculated settlement.