I agree with this approach and can accept a resolution where there is no loss to the consumer. I think that eventually the issuers will tire of issuing courtesy credits just like they got tired of American customers calling in to complain that their magstripe only cards weren't working or were refused overseas. They realized repeating the line, "Under the accept all cards policy the merchant is required to take your card," wasn't going to work. Fortunately we haven't gotten to the point of, "Under Visa policy, the merchant must always offer you the choice of paying in local currency." Right.

In this case it was probably better to get the courtesy credit on the account because didn't the husband get snookered into accepting DCC? While the receipts weren't compliant and probably could have prevailed in a chargeback situation, it wasn't a case where the customer adamantly refused DCC but was still forced into accepting DCC. I do think issuers would rather eat the occasional costs DCC complaint than perform a full chargeback even though this means the merchant won't be punished.