Chase just issued a courtesy credit. In the case of a chargeback, the transaction would have been reprocessed in local currency at the exchange rate backdated to the date of the transaction.

As a best practice, I always view the terminal and assume the staff have bad intentions if they are holding onto the terminal or concealing the screen from view. In a recent example, the waiter was a bit taken aback when I insisted on holding the terminal after tapping my card until the transaction processed completely.

Below is my first DCC instance spotted in Germany at the Deutsches Museum. I tried to tap the payment, which failed. There were no prompts on the terminal and no signature slip, but notice that the amount default amount was in USD (at a 4.75% markup over the pending transaction amount on my card). The failed contactless transaction did not show up as a pending transaction on my card. When I inserted my card, the DCC prompts appeared on screen, and the cashier helped me select EUR without issue. A signature slip printed for the second transaction.



The above is the only transaction with DCC I've seen so far, but I predict that my hotel might also have DCC when I checkout in an hour. (The preauth was in EUR.)

A dishonorable mention is something I overheard at breakfast yesterday morning. Someone was sitting at the table next to mine and had just sat down. He had used a Euronet ATM at a shopping mall and asked the others at the table, "There was something about a 13.95% fee? I didn't know what to do or how to avoid it. The receipt shows this fee." I considered mentioning that he likely had just gotten ripped off in multiple ways: cash & balance fee, DCC spread, Euronet's ATM fee, his bank's ATM fee for using another financial institution's ATM, and perhaps a foreign transaction fee. If he had taken out €100, it's possible he could have had up to 25% in fees if all of the above were paid.