I got DCCed by STA Travel UK last month. I did a booking over the phone, paying part of my Contiki tour (in GBP) by reciting the credit card numbers. Two days later, when the charges posted, they were much higher than I expected so I requested the merchant to show me the credit card receipts. As I expected, I got DCCed! The prevailing rate was 1 GBP = 1.25 USD and the receipt noted 1 GBP = 1.29xx USD hence a 3% commission fee. It was irritating considering that STA Travel already impose a 2% fee for credit card payments (which I agreed to).

I complained as I never agreed to the DCC amount. The travel agent who processed my payment had no idea she ran the transaction in USD instead of GBP so I told her that I wanted to speak to her manager. In the end, they offered to refund the amount I was overcharged. As I still had an outstanding payment due, I requested the amount I was overcharged to be deducted from my outstanding balance.