Has anyone experienced DCC cases that would be in the consumer's favor? I thought DCC always adds a minimum 3% to the exchange rate, sometime more.

It is not DCCed at billing time because if it is a "TRUE" conversion, even without the extra 3%, it would have been HIGHER than what is billed. It is not DCCed at reservation time because I checked the quote in Euro versus the final display of USD, there is less than 0.01% difference versus using the mean rate of the day. One can conclude that is just a rounding error. I dont think billing in USD automatically means DCC. You have to look at the actual exchange rates to determine if there is any padding. There is NONE.

If you read my post more carefully - at the time of reservation I used EURO for the quote (which the user has control) then it reverted to USD on the final page.

Per the mean rate of the day of reservation, it was clear to me there was no additional padding in the conversion.

If it is billed in USD, it just simply adheres to the Contracted Price which has been a straight conversion from Euro to USD, again, no additional % added.

The USD amount shown on the reservation is the same amount being billed on my card, regardless how much it was in Euro - if it is billed in Euro then even with the Mastercard conversion rate of either the transaction or the post date, would have been HIGHER than the contracted USD price.

So how can that be the conventional DCC as we discuss here? Where is the 3% extra?

In other words, it was NOT DCCed at reservation - it simply changed the display from Euro to USD used the market rate at the time of booking. I double-checked it with several sites at that time. The difference is less than 0.01%. At billing, the SAME USD amount was billed, NO CONVERSION BACK TO EURO THEN DCCed TO USD. So how can one claim if it is not in local currency, it is DCCed, and you just got lucky that is in your favor?

By default, whenever there is a DCC, it would NEVER in the customer's favor. If so, this thread would not exist! Nor people are advocating to file a dispute!

On top of that, The D stands for Dynamic - if the USD amount is constant even it is 5 days apart, or actually 8 days apart - between reservation to actually shown on our CC - How Dynamic that could be? There is No Dynamic at all! In fact there is not even a currency conversion done at the billing. The currency conversion has ALREADY been done at reservation, at a market rate without adding any extra %.

Isn't it a bit too simplistic to call anything not billed in local currency is being DCCed? when there is neither Dynamic nor currency conversion because it seems regardless how much Euro it was, it did NOT affect the amount being billed.

I cannot see a clear cut case of DCC simply because it is not in local currency based on the chain of events as at each step, there was NO padding whatsoever. In fact, the USD became the governing currency that the local currency revolved to. The local currency seemed to become totally irrelevant as it has fluctuated between reservation and pick up (163 versus 159), yet the final invoice is the same USD at reservation and at billing.

Again, if you actually read thru the whole scenario, you would see the amount shown in local currency changed but the amount shown in USD was a constant. Now how can we say it is DCCed when the variable is in the Local Currency? Plus the fact that when it was converted from Euro quote to show a USD price on the confirmation, the conversion was a straight conversion without any added %, short of 0.01% difference.

While I do not understand what the mechanism Avis used in this particular reservation, I am fairly confident to say, there has not been DCCed in the sense as we know it despite the currency is changed to USD from a Euro quote, and the final billing also is shown in USD.