Originally Posted by
Majuki
I applaud you for contesting any DCC charges, but I'd prefer to handle a DCC issue at the time of the transaction rather than spending time calling or writing my card issuer. There was another poster, Happy, who didn't have a good experience with a Chase issued card when contesting a forced DCC transaction in the UAE. The acquirer or merchant responded to the chargeback, and it caused more headaches than the charge was worth. By the time I'm contacting the card issuer, it's on principle because the spread between the DCC amount as Visa amount wouldn't be worth my time in almost all cases.
I've fixed it at the merchant itself before, but generally what happens is either the person doesn't understand or it take forever and I get a horrible experience with it. I rarely if ever call a bank, Chase let's me make disputes purely online and then they call you to ask questions about the dispute. I complain if something is not right, and I'd say I win some and I lose some. But overall I think I end up getting compensated in the big picture among all the interactions.