It does seem like there is a certain cost now disputing transactions with Chase. It will be easy for me to simply say use another bank's credit card (la) but I think you may not want to forsake Chase's overseas earn rates (CSR/CSP?).

I admit to picking my DCC fights these days. PRC I try to avoid using V/M unless I know the merchant is cooperative to voiding and fixing DCC errors if they happen - DCC is national policy (国情). If I get DCC at other places I make it crystal in every language that the local currency is to be billed and (if this doesn't work like in King Power BKK) stand over them to fix it on the spot.

Disputing is easier in HK, cos I can send a fax to the bank in the middle of the night (most banks), and they'll have to reply in 30 days or I escalate to HKMA. HKMA is well aware of the DCC problem HK cardholders are facing abroad and is taking a dim view of the banks who do not.