Originally Posted by
lamphs
If the folks honestly made a mistake, and were apologetic, that would be one thing, but the 'new guy' claim with the clear change in demeanor, doesn't work for me.
That's why I asked if you would call out the restaurant. The restaurant (and other merchants) know what they're doing. Why do you think they were so quick to change their tune about offering a cash refund? I have no doubt that there are likely some merchants off of the beaten path who have no idea that DCC is turned on - there was a report here of a dry cleaner in Alabama a few weeks ago, but a restaurant in St. Julian's? Let's be honest.
Originally Posted by
Kremmen
I wonder how often that even happens though. In my recent case, Chase just credited me the difference pretty much immediately. I suspect they just wear it because going through the process would cost them more human effort than the amount being disputed.
For small amounts, US issuers are just as likely to eat the cost. It's similar to fraudulent charges where they're unlikely to pursue a merchant chargeback for small amounts. There have been a few reports of successful Reason Code 76 chargebacks with Chase, however. I don't know what the threshold would be.