Originally Posted by Happy

He then told me Chase will issue a temporary credit (haven't seen it yet) and I do not have to pay that amount while in dispute.
Chase will inform the merchant of the dispute and request the merchant to rebill in UAE Dirham the local currency.
The merchant has 45 days to do it.
If the merchant fails to rebill within the stipulated time frame, the credit will then become permanent.
Chase will send me a letter to detail the above in the next 5 to 7 business days.

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So yes, everyone should dispute the charges if the merchants fail to comply with the Visa or MC rules to offer customer the options on which currency to use.