This seems like the setup at Greyhound Cafe in Hong Kong. The terminal flashes ENQUIRY for 2 seconds, but even pressing cancel does nothing. Once you see the boxes, you've already been hit.

In this thread where AA canceled and endorsed pax to the last flight of the day on UA, and pax were IDB'd and left for "dead" at 1 am mainly due to UA's system's fault, there is a sentiment that AA is ultimately responsible for UA's failure, since they created the situation for which they don't have a reliable way to resolve.

Now here, shouldn't any lawsuit directed toward Visa/MC in Europe or the US? China's failure to comply is VI/MC's responsibility. Since DCC came out of some lawsuits and regulator's actions, another lawsuit would give VI/MC a way out, e.g. ban China (or any country they deem non-compatible) from DCC.

I'm more interested in suing BoC because they break the rules, probably deliberately...

And by some other people's suggest, not allowing DCC from Visa/MC would be against the law as well...

zyxlsy - you do realise you can't sue BoC in a US court for DCC in China and suing BoC in a People's Court in China may result in yourself being locked up for 寻人滋事?

I totally understand the second part.

That's why I am interested to know whether people can sue BoC in some international courts or places handling international commerce disputes, because it is not strictly confined in China anymore. It's BoC breaking Visa/MC rule and stealing money from foreigner consumers.

My sister-in-law flew back to Sydney on Tuesday. As a parting gift, she had tabulated all of the receipts for her US purchases in AUD and left them on my desk for when we got back from taking her to the airport.

tl;dr version - we didn't see DCC beyond Forever 21 and Kate Spade, both of which made the DCC offer on the electronic signature pad, and the customer input the choice, not the cashier. There was no DCC at a number of other tourist places or chain restaurants. I asked my sister-in-law not to bias the experiment by stating that she wanted to pay in USD, so we kept silent during each transaction and let things play out.

At Forever 21, there did not appear to be a timeout or automatic selection even after about 20 seconds or so, at least at Forever 21, because I was fumbling to get out my camera as quickly as possible to take a picture. As I also indicated in my post from the other week there was no DCC at Macy's, the Cheesecake Factory, or at two of the Napa wineries we visited. After Presidents Day weekend, she made the following purchases in the US:

Popeyes - Santa Clara, CA

http://i.imgur.com/mrK2bGut.jpg

Transaction Date: 2/20/2015
Transaction Posting Date: 2/22/2015
Posted Amount: A$22.04
Currency Exchange Fee: A$0.55

IT’SUGAR - Monterey, CA

At first glance I thought we had a DCC candidate, but the screen was simply asking us to confirm the transaction amount (in USD).

http://i.imgur.com/2jh6Coit.jpghttp://i.imgur.com/wl1LsWZt.jpg

Transaction Date: 2/21/2015
Transaction Posting Date: 2/23/2015
Posted Amount: A$10.24
Currency Exchange Fee: A$0.26

Sea Otter Shirts - Monterey, CA

http://i.imgur.com/6cWIkZOt.jpg

Transaction Date: 2/21/2015
Transaction Posting Date: 2/24/2015
Posted Amount: A$27.60
Currency Exchange Fee: A$0.69

Ghirardelli Chocolate - Monterey, CA

http://i.imgur.com/UqPZJPDt.jpg

Transaction Date: 2/21/2015
Transaction Posting Date: 2/24/2015
Posted Amount: A$41.01
Currency Exchange Fee: A$1.03

Linn's - Cambria, CA

http://i.imgur.com/Ak5mjCNt.jpg

Transaction Date: 2/21/2015
Transaction Posting Date: 2/23/2015
Posted Amount: A$76.97
Currency Exchange Fee: A$1.92


Nordstrom - San Jose, CA

http://i.imgur.com/gLTBLDut.jpg

Transaction Date: 2/23/2015
Transaction Posting Date: 2/24/2015
Posted Amount: A$36.34
Currency Exchange Fee: A$0.90

I've been using my Apple Pay here in Hk for almost a week now and I haven't had any dcc requests while using it. Does NFC payment help prevent DCC?

Yes, DCC is largely prevented under these circumstances. Hopefully with the increased acceptance of NFC/contactless payments it will buy us some time before the DCC scammers figure out a way around it.

I'm always the most concerned about DCC with small transaction amounts. These are the kind where the transaction is under $25 US equivalent, and the DCC markup is up to $1.25. The bank isn't likely to take up your case - I would still fight on principle - in the form of a chargeback, and in some cases your issuer might brush you off completely. These are also the cases where staff might deliberately select DCC for you, knowing that you're unlikely to fight it.

I almost got hit by DCC on PayPal just now. At checkout PayPal automatically chose my bank account, so I went and selected my card. It still showed a USD amount. Turns out that there's a very small drop-down that's very easy to miss that will let you opt out of DCC, but it cleared my credit card selection and selected my bank account again when I did this! This time, re-selecting my card showed the GBP amount instead of USD (1 USD = 0.63998 GBP according to PayPal).

Anyway, Diners Club shows a whole lot of information about the transaction and the pending PayPal transaction still says that the amount was in USD:

http://i.imgur.com/rjrtYih.png

However, PayPal's rate would mean that my £14 purchase would have costed $21.88 vs. the $21.51 that DC apparently charged. xe.com says 1 USD = 0.65579 GBP (aka $21.35). Could DC's exchange rates just be bad or is this in line with other cards when opting out of DCC?

It's hard to say how PayPal runs the transaction. Usually the DCC amount is the pending transaction amount. DC's rates would be competitive since they'd be using MasterCard's exchange rate, right?

According to https://www.mastercard.com/global/currencyconversion/ it was 0.654922 GBP per $1 for the 5th ($21.38). The charge hasn't posted yet according to DC so it may be different then.

What would you do in the following case?
When I checked in at the Sukhothai Hotel, Bangkok, they swiped my credit card "just for guarantee". I didn't sign or press any buttons. When I checked out 3 days later, I expected to have to pay but they told me my card had already been charged. They gave me a hotel invoice (in THB), but no credit card receipt at all.
Sure enough, when I received my credit card statement yesterday they had charged me in the currency of my Visa card. The rate seems to be about 2% worse than other THB transactions around the same date.
What would you do in this case?

I know how it works in the USA but the way your response is worded, I'm not sure your card is denominated in US dollars but it should be the same thing.

1. You call your credit card issuer's customer service rep and state you are disputing the charge because contrary to visa/mc regulations, you were not given the choice of paying in bahts as required by the merchant's contract.

2. You may be offered by the credit card company to have the difference refunded on the spot especially if it's relatively small. If the customer service rep refuses, you ask to speak to a supervisor.

3. If that doesn't work, you follow procedures for disputing a charge. Now different countries have different laws regarding this so I can't tell you what will happen in your situation. In the USA there are a whole set of procedures laid out in the Truth in Lending law. You send via e-mail a copy of your letter to the hotel also threatening them you will expose their deceptive and illegal practices on various forums that will reflect badly on the hotel. Out of this, you may get some sort of courtesy response including extra rewards or a reduced price for your next stay or whatever.

4. At some point, the credit card company might do the right thing and charge back the charge and the hotel may re-submit done properly. Or, again a lot depends on local law n the country where the card was issue tough noogies.

I would dispute the charge with a reason code 76 chargeback. This is Visa's incorrect currency transaction code. Hopefully you have kept the hotel receipt showing the amount in THB only (no mention of EUR, a conversion rate, or accepting the charges in EUR). If your bank that issued the card is customer friendly they should take your reason code 76 chargeback request seriously. As JEFFJAGUAR says, if the amount of DCC small such as < €3 higher then perhaps the bank will credit the difference since a chargeback might cost them more. A credit from your bank should be accepted if offered, but it is not an ideal outcome since the merchant got away with non-compliant behavior.

The same thing has happened to me at some hotels in Europe before I knew about DCC. This is why I always insist on seeing the credit card transaction receipt before leaving because I have gotten involuntarily opted in to DCC before. What I do now for the preauthorizations at hotels is swipe my American Express, which does not have the capability of DCC. Then when checking out I say that I want to change my payment method and specify local currency at that time.

It's DCC on express checkout or priority checkout, similar to this BoC new scam 2 - DCC express checkout without consent .

I initially thought it wasn't allowed, but it is, subject to certain requirements http://usa.visa.com/download/merchan...n.pdf#page=576 . These requirement are being followed as assiduously as US DOT on rule 399.88.

The bxstardy thing about this express checkout thing is there is no obvious written documentation you *did not consent* - unlike a merchant slip where you ticked and maybe have a carbon merchant copy/taken a snapshot of the thermal merchant copy.

I'm not sure how well are banks with chargebacks in the Netherlands but here are the two extremes:
- in the US they will probably accept your complaint based on your own assertion but refund you out of pocket
- in HK they will require *you* to provide the documentary proof you opted out of DCC (this is not right - the merchant's bank (acquirer) has the burden of proof, but HK banks know they will not get into trouble for ignoring your complaint unless you have the proof so you can escalate the complaint to the HK bank regulator) but are more likely to pursue full disputes with the Thai hotel/its acquirer

As Majuki said it's probably better to insist on card charge on checkout every time. Use the excuse we used in the BoC Shenzhen Futian case - "we are participating in a card promo which requires us to sign a slip".

The other type of hotel charge is worse - DCC on prepaid rate (sorry, the offending hotel happens to be in Amsterdam).