Originally Posted by
tmiw
Could it be because banks and credit unions don't seem to tell their customers about it? I searched for "dcc" in Google just now and it didn't show anything close to the topic of this thread. "DCC card" does, but it's a mix of anti-DCC stuff from blogs and pro-DCC stuff from payment processors.
I think that's partially the reason. You are correct on the DCC articles being a dichotomy of blogs/forums against DCC and payment processors promoting DCC. As other members have pointed out on this and associated threads, there is a perceived prestige of being able to use the US dollar overseas. I think it is largely consumer ignorance that they're getting ripped off with DCC. I used to fall victim to it occasionally up until about 5 years ago. I would never be able to reconcile why the posted transaction amount was more expensive than the exchange rate even as my cards started ushering in 0% FTFs. I would guess that few of the USD cards from US issuers ever leave the US, so issuers don't feel the need to educate their customers about the topic. (See the EMV argument 6 or 7 years ago.)
To think of this another way, read some of the posts from people using their non-USD cards in the US. DCC is all around us, but we rarely see it. I have asked friends using non-USD cards about their experiences, and many chain stores and even a few restaurants offer DCC. I think the reason why it's not been highlighted as a problem in the US is the implementations are relatively benign, at least in the retail setting. All stores that I've seen with DCC have customer facing terminals, and the choice clearly appears on the terminal, like the Best Buy example above. The few times I've witnessed it personally, the cashier appeared to have no input on the DCC offer. It's not like some other parts of the world where you know that the cashiers and/or management have a good idea of what's happening yet steer (or worse force) customers into DCC.