I fail to see how this is compliant with MC's language when offering DCC. There is a clear discrepancy between the MC rate and the rate they're offering, yet they're deceptively implying that there is no markup. They're required to show the markup above MC's rate, not just the exchange rate they're giving you.

The November 4th MC rate is 1.145436 USD/EUR, so it means it's over 7% higher!