@nacho, what's the typical forex fees for debit and credit cards in Denmark? How about Amex and are there any banks which offer a 0% forex fee card?
In Denmark the forex fee is 1.5%, in Sweden it's 2-2.5% (there's a forex free card but it costs HKD 300 per year and you only get supermarket points instead of real cashback of 0.5%).
There's no AMEX in DK and in Sweden it's 2% - both directions! I think refunding any purchases with a different exchange rate is simply wrong. It's difference if I'm drawing cash but the card company have already robbed me once and they robbed me double when a shop refunded me! I paid 7.99 and got back 7.67 (I can understand if it's 7.8).