They picked the currency to negotiate in, and never having encountered this issue before (I should say - no one else ever used such a tactic on me) I didn't see any harm in it and did not request rand to be the quoted currency. Lesson learned! But give me some credit, at least I recognized what was happening now, and I have not made any payments, and can walk away. I was just looking for validation that my assessment was correct and that it is not my bank/card that is creating the problem.