HSBC HK opted to courtesy credit the Cathy NS Wong hongkongcard.com at Venetian Macau case http://www.hongkongcard.com/forum/fo...p?id=12533&p=7 #64

I say try and drive for chargeback as hard as you can, but accept courtesy credits when chargeback not permitted by bank. If they have to do courtesy credits often enough they may go to Visa and do something about it.

Have been traveling around the French countryside for the last week, eating, sleeping, drinking and (when not drinking) driving (with Europcar rental) with mastercards and visas. No DCC ever tried, not even in the mercure/novotels and Europcar. DCC is still so foreign to them one cashier thought I wanted to pay cash when I told them I wanted to pay Euros.