Originally Posted by
percysmith
Hold amount might still be at DCC rate even if the transaction eventually posts for HKD. Have to wait til posting before any conclusion can be drawn.
That's right. For instance, my hold was the DCC amount of the preauth. It was a higher amount than $321.34 but still reflecting the 4.9% amount over the Visa rate for whatever the preauth amount was in HKD.
It really depends on the implementation of DCC. Usually the ones where the FX rate is presented will hold the DCC amount and post the non-DCC amount. You want to look at the batch number/reference number. In HK you can ask for a reprint/courtesy copy, and it will show which currency was actually charged.