Let us know B of A's DCC process. Chase seems to have streamlined it over the last few years.

I know of one case where there was DCC at a grocery store in India, but there are no rules when it comes to where you'll find DCC. That being said, I've generally found DCC to be nonexistent at large chain supermarkets. DCC for the locations where it is prevalent typically shows up at hotels, airport duty free shops, and some restaurants. However, I've seen two similar restaurants where one has DCC and the other does not. I also think part of the prevalence of DCC has to do with the likelihood of seeing a card with a different currency denomination.

For instance, I haven't done extensive testing in the US, but I'm genuinely curious which big box retailers have DCC. Most of my data points are from 3 years ago. While I did find two cases of DCC at retail clothing stores, both terminals presented a choice, and opting out was easy. Furthermore, from the cashier pausing, it didn't seem like the cashier had input or even necessarily awareness that DCC was happening. I have a Canadian friend who hasn't seen DCC with his card across hotels (Starwood) and restaurants, and he travels to the US fairly regularly.

Mrs. Majuki has a single non-USD denominated card, but she's not too inclined to use it since the card has no rewards and has a currency exchange fee.