Originally Posted by
YuropFlyer
I didn't lost in currency conversion on it, but I can imagine had I used a non-€ card, I might have (even if declined DCC) been slapped with twice a convertation NOT in my favour (ie, 21.80€ would become like 24.50 CHF, then the refund would only be for like 22.50 CHF) even though I declined the transaction. That's scamming on a whole new level.. watch out!
Still some banks were without that extra fee, so I managed to get around it, but it just sucks, I'd like to know what happens with a Non-€ card for sure.
Thailand with their 150 or even 180 Baht charge is the worst. In fact charges like this make me re-think my choice of country to go on holiday, as silly as it might sound..
It's hard to say. This is like the case of
percysmith in London at Harrods where a credit might have a different exchange rate than the purchase. I don't know if it's voiding the transaction in this case or charging and then issuing a refund. It also depends on how the issuer posts the transaction/refund if they are two separate transactions. At least in the US with Chase, the transactions would both post the same day, using the same exchange rate, so you wouldn't be out of pocket. Other issuers might handle things differently.
As for ATM operator fees, there are a number of cards issued stateside that are popular here on FlyerTalk that will not impose an ATM use fee and reimburse ATM operator fees. I recognize that not all geographies/currency denominations have that as an option, however.