DP since my first full October statement closed (a few days ago) and I used the card primarily for restaurants (didn't even attempt to use the card for restaurants in Italy) - MOST of the charges were shown as 4X
The exceptions appear to be (and I believe these would code as 3x on the CSR):
- Breweries
- Cafes / Coffee Shops
- Restaurants that use Square
- Restaurants that use Toast
I just chatted with a CSR to open an investigation into some legit restaurants didn't code correctly for the 4x...especially when it shows: Category: Restaurant - Restaurant"