You're a good man, Charlie Brown.

With regard to Shanghai, my two primary cards are Bocom dual currency and my corporate Amex, so I haven't encountered DCC as an issue. In the cases where I've used my CSP (usually restaurants or hotels), I try to watch carefully for it on the receipt and whatnot, and I recall only seeing it a handful of times.

Shanghai honestly isn't so bad these days because many of the larger acquirers are now compliant (and 交行/国行 have a small footprint here), but if you chance upon HSBC, prepare for a battle (HSBC is small but its niche happens to be merchants that we foreigners frequent).

At the Stedelijk Museum in Amsterdam today the terminal required me to choose between Euros (shown first) and my card currency (shown second). It showed the precise amounts that would be charged in each case: 20.00 EUR or 22.31 USD (in other words only around 1% markup). I had to select "1" or "2" -- no confusing yes/cancel nonsense.

I'd still very much prefer an end to DCC, but if it's going to be offered then this was almost as transparent as it can get. (For maximum points they'd need to spell out the markup.)

I don't have specific directions for disabling DCC to add to the wiki at this point. In addition to the general info I already shared I can say Latvia also doesn't seem to have DCC, or at least it's not widespread. As to Poland, it's pervasive and I encountered situations where staff were clearly trained to select it even if customers preemptively requested the charge in local currency. Further, terminals (supermarkets, etc) defaulted to DCC and required selecting the cancel button to get the local currency (giving the impression you're canceling the transaction). In at least one instance I was then required to confirm my decision, again by selecting the red cancel button. I noticed most/all of these transactions were processed by PolCard and I'm considering sending them a letter.

Question: how much control do individual banks have over this situation? Can Chase unilaterally end DCC with their cards? I'm trying to think through how to lobby for reform and it seems like one challenge is that it's unclear which entities (banks, visa/MC, individual countries) are the best hope for eliminating or at least improving it.

My ICBC Visa card doesn't suffer DCC, so there's definitely a way to do it. However, until I get somewhere I can get an IC card reader I have no idea what they did.

I have visited Poland twice in recent years and always had good experiences. On the first visit I was using a contactless card and was never offered DCC. All transactions charged in PLN. Second time with a chipped card but no contactless. After a few odd looks from cashiers (contactless and EMV were introduced at the same time in Poland, so all their cards are contactless if they have a chip) I was only ever offered DCC in Carrefour. The machine had the confusing press Cancel to charge in PLN type of system. But at least this message appeared in English automatically. Nowhere else, including transport and hotels, were I offered DCC.

When you get here we'll look. I'm guessing no currency code.

Contactless will prevent DCC because contactless doesn't support DCC.

Not exactly:

http://i.imgur.com/iCPw1pJ.png?1

(although maybe Visa Europe explicitly prohibits it?)

Sorry, VEPS prohibits DCC. I'm assuming most payWave transactions use VEPS.

If anyone's curious, I bumped into something kind of strange in Romania these past couple of weeks.

Euronet ATMs here have large signs "offering" you transactions processed in your home currency. I need to try with a couple more cards, but it only asked me if I wanted to run it in USD (at 3.6RON/USD when the rate is actually 3.97RON/USD, so a commission of a little less than 10%) when I did a cash advance on my Barclaycard Ring, not my Schwab debit card. I'd need to try again with my TD debit card to see if it's unique to the Schwab card or if the machine only offers DCC to MasterCard, but there it is.

DCC on a credit card cash advance but not for an actual ATM debit withdrawal itself?

So that might explain why Barclay's ATMs here offer to DCC my CapitalOne 360 card but not my Schwab card! Unless the Schwab card is somehow DCC-immune.

Note - different ATM locations and I thought that was the reason, but maybe not now.

It doesn't make any sense why DCC would be offered for MC but not Visa. That being said, I've never seen an ATM DCC offer for my Fidelity Cash Management Account Visa.

I tried again with a variety of cards. It won't DCC for any kind of Visa card, credit or debit. MasterCard and Maestro are both affected.

Worse, it gave me a DCC offer for my Canadian Maestro debit card... In USD. Because I totally want to pay the Euronet commission and my bank's foreign currency transaction fee.