Originally Posted by
dmapr
I'll just add my $.02 (or £.02 if it goes through UK

). Generally speaking, if you have a 0%FTF card, the only situation where you have to worry is when you're presented with a price in one currency, but the transaction runs in another. If you see a price that's posted in the card's currency, it's not DCC. In certain cases you may see prices posted in multiple currencies — then you can do your math and choose the one that's more beneficial. That was my situation when I was in Jordan — there were places that had prices in both US dollars and Jordanian dinars and in some cases they ended up being slightly better (a few cents) in $$. So if you chose the $$ price and paid in $$, you knew the exact amount and you could see what the dinars would convert to, so that wasn't a DCC situation either. Now if you chose to pay in dinars and THEN they would charge you in $$, that would have been DCC, but they never tried that.
Actually, in the US some cards will indeed charge a foreign transaction fee even if the transaction itself is in USD. The FTF and currency-exchange fees are two very different things. I get around this by using Capital One cards anytime I'm outside the US.