Originally Posted by
Happy
The bill was below $50 - $47.xx to be exact - billed as $49.49. So the DCC is at 5%. I saw the pending was $47.xx in the correct translation but the actual posting was $49.49. Kind of strange because I have never seen a nonDCC pending then a DCCed posting.
Since the absolute amount is just $2.50 I am not going to dispute it even though I was never given an option.
If it happened to me I would still dispute the charge. Usually the issuer will give a credit immediately, but some might perform the full chargeback. By allowing the DCC charge to stand it gives an incentive to continue the behavior. It's a matter of principle for me, not a dispute over being overcharged.
For the pending amounts, it depends how the charge is sent. I have seen some places in HK hold the non-DCC amount, but I don't know if that amount would have been different if I had accepted DCC.