Originally Posted by
zyxlsy
Therefore I don't have the absolute pressure to pursue chargebacks. If the gap is filled by whomever, I am all OK.
This is my thought process, at least for the US. The USD amount (and category bonuses, if any) determine the rewards earned. It's probably not worth it for an issuer like Chase to file a chargeback for smaller transactions, so they just issue a courtesy credit. Furthermore, if you look at the documentation
percysmith provided, I see there is a minimum amount of $25 to file a Reason Code 76 chargeback. I guess that might be the threshold amount? It seems like if you're hit with DCC at a Burger King in Ireland that your bank would have to eat the DCC difference if you complained.
Originally Posted by
biggestbopper
The entire amount is disputed because the total amount charged is not correct.
Yes, in the case of a DCC chargeback it's more of the mentality of saying to the merchant, "Go back and charge this transaction in the correct (local) currency." The Reason Code 76 isn't asking for a refund of all of your money. It is a request to process the transaction without DCC.