Originally Posted by Magic Pickles

I'm posting observation in this forum since the outcome is likely due to special treatment of the JPMR account vs. other cards: I made a charge in Shanghai, China and was involuntarily DCC'd even though I selected RMB vs. USD on the receipt (I wasn't handed the terminal to select currency, which I thought was shady). I tried to dispute online but the pre-selected options did not fit my situation. Therefore, I called and explained what happened and even mentioned Visa reason code 76 (wrong currency). They immediately credited me for the whole charge. I said I appreciate the gesture but I wasn't disputing the whole charge, just the currency it was charged in. They said don't worry about submitting anything as it's considered complete. The charge wasn't large, but I wanted to merchant to be forced to charge in local currency out of principle. I guess in this case, they either feel it's not worth the effort or just won't want to trouble JPMR account holders.