Originally Posted by
percysmith
zxylsy - oh. I'm not aware Chase's system works like that. In HK we file paper forms and I fill in foreign currency that should have been charged (even if the forms ask for HKD).
That way, the bank has no easy claim to pay me off and have to chargeback the issuer and merchant instead. Which is exactly what I want done.
In Chase's system, it's like they ask for a correct amount, and all the instances I encountered, they just credit you the difference.
So this "correct amount" is kinda important. No so high that we feel guilty, but not so low that we lose money...
Also, having been following your posts, I see you pay particular attention to the difference between being charged in HKD and being charged in foreign currencies. I think this may be because HK banks give extra promo miles for foreign currency charges?
With Chase, it doesn't matter, so whether the merchant charges you which currency, the final number is gonna be USD, whether DCC does that for you, or Visa does that for you. And, the miles we get is only related to the final USD number.
In case you get credit for the DCC difference, you just get less miles according to that difference. It is all post-currency-conversion.
Therefore I don't have the absolute pressure to pursue chargebacks. If the gap is filled by whomever, I am all OK.
