I recently traveled to Amman, Jordan. There is a 40 JOD Visa fee that you can pay by card when arriving. Apparently they automatically use DCC, which in this case was 5.99%. That is the highest I have ever seen! And they didn't have me sign the receipt despite using a chip & signature card.

Anyway, I disputed the transaction with Navy Federal Credit Union. I have disputed with JP Morgan Chase plenty of times and they typically refund the markup within a few days. However, NFCU took about 2 weeks and refunded the entire purchase. Definitely did not expect that.