http://bbs.51credit.com/forum.php?mo...ad&tid=1750187
(linked from http://www.hongkongcard.com/forum/fo...p?id=11430&p=4)

In it the (PRC) poster described six situations encountered in HK/overseas with his/her PRC Visa card:

1. No DCC in jurisdiction - the poster cited Taiwan. I think the poster is incorrect because I've certainly been offered DCC in Taiwan - a better example is probably Indonesia (where DCC does not exist by central bank regulation).

2. DCC in jurisdiction but merchant does not offer DCC.

3. DCC in jurisdiction and merchant has DCC but cashier has declined DCC on your verbal request.

4. DCC in jurisdiction, merchant has DCC and passes you an offer slip. Poster advises to scribble "TOTAL [HKD]XXX" to make the your intentions very clear.

5. DCC in jurisdiction, merchant has DCC, selects DCC and passes you a DCCed slip for signature. Poster postulates an offer slip may have been printed but not given to you (personally in my experiences going the other way I don't think an offer slip is mandatory). Merchant does the usual thing (a. claims the slip is charged in [HKD], b. claims the terminal can only charge in card currency).

6. Refunds of non-DCCed slips have been DCCed.



(5) and (6) are very weird.

(5) - A poster in the hongkongcard.com thread postulated for carbon slip, the offer slip is the slip you sign on and second slip is subsequently thrown away by merchant, thus allowing merchants to DCC and not tell the cardholder it has done so.

I replied it doesn't matter for HK-issued cards because if you ticked the local currency, signed on it and retained the carbon copy, your intentions are conclusively demonstrated. Whether a second slip is printed or not is irrelevant (BoC and ABC Guangdong certainly don't print second carbon slips). Yes you have to chargeback, but you'll have to chargeback no matter whether one or two slips are printed.

(6) is hard to imagine. I certainly had the case where I've been DCCed but was unable to void it (Harrods and Gallaries Lafayette - refund in EURs only). Going the other way is very difficult to imagine.