Originally Posted by abaheti

I either used an online tool or another Visa transaction from the same day that did not have DCC to determine a rate. In my message said I specifically declined conversion, was forced, rate should have been X resulting in $xxx USD, but they used rate Y resulting in $yyy USD charge, and requested the difference back. It was small, but I hope it resulted in a chargeback to the merchant. There is no bank markup on my Visa card. I didn't use a form, used secure messaging at chase.com