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Can't be a PIN transaction. HK credit cardholders cannot authenticate transactions by PIN, even in a jurisdiction that can take PIN like France.
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Originally Posted by Points Scrounger
(Post 25253926)
Did the server make those pen marks beforehand? This appears to be a PIN transaction, was this part of the "receipt"?
I got the order back to front, corrected, but it shouldn't be too hard to distinguish which one was the merchant slip and which one is cardholder receipt. |
Originally Posted by percysmith
(Post 25253820)
It's our good friends from Global Payments
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I'm at the Shanghai Brewery (Hongmei Lu location) right now, and just paid my bill.
When the DCC slip was printed, I requested a void, and was prepared to walk the waitress through the "cancel" routine during attempt #2, but during attempt #2, I saw that these new 银联 POS machines actually have a DCC (1. 是, 2. 否) step. The waitress told me that UnionPay and her manager advised her to always select option 1 because it is better for their foreign customers. In any event, the new UnionPay machines are really easy to beat if you take matters into your own hands. |
Originally Posted by moondog
(Post 25287465)
I'm at the Shanghai Brewery (Hongmei Lu location) right now, and just paid my bill.
When the DCC slip was printed, I requested a void, and was prepared to walk the waitress through the "cancel" routine during attempt #2, but during attempt #2, I saw that these new 银联 POS machines actually have a DCC (1. 是, 2. 否) step. The waitress told me that UnionPay and her manager advised her to always select option 1 because it is better for their foreign customers. In any event, the new UnionPay machines are really easy to beat if you take matters into your own hands. |
Originally Posted by HGHUA
(Post 25287704)
Really, sweet. A ray of hope of compliant machines. Now if we can just get unionpay to stop spreading lies... What bank was it?
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Originally Posted by Majuki
(Post 25288354)
At least there is the option. After pressing 否 does a completely DCC-free slip print?
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I've just finished my latest trip down to Mexico City.
The bad news: DCC has continued to spread like a very bad weed. Almost every restaurant I went to in the Polanco neighbourhood had DCC in their terminals now. From the many trips I've had to make down there over the last couple of years, I've been watching DCC grow from nothing to almost total presence in the areas of Mexico City that are popular with foreigners. The good news: on every single occasion the servers were more than happy to cancel the option and complete the transaction in Mexican Pesos. No fight, no confusion, no problems. So even though DCC is becoming ubiquitous, the front-line staff seem quite happy to bill in Pesos and don't seem to want to trick customers into DCC. |
Originally Posted by percysmith
(Post 24129132)
http://www.hongkongcard.com/forum/fo...p?id=13819&p=4
Screenshot describes a thousand words. On the CNY transactions, applicable DBS HK Foreign Currency Conversion fee is 1.95% (so the applicable MasterCard rate is 1.2491, and the CNX rate is 2.545% above that). http://www.hongkongcard.com/webedito...2037_27910.jpg Is CNX some sort of new institutional scam V/M is letting Chinese online merchants get away with? Anyone else have CNX currency code? |
http://www.flyertalk.com/forum/singa...l#post25349792
Originally Posted by carrotjuice
(Post 25349792)
I've been travelling to HKG rather frequently of late and noticed there's this restaurant that I dined at regularly - every time I was presented the CC slip and I ticked to be charged in HKD, I still ended up being charged in SGD via that dreadful DCC!
After a few times, I decided to 'confront' the restaurant and asked the restaurant manager how their CC chargings were done. He actually showed me step-by-step using the CC machine... swiped the card and the machine was programmed to AUTOMATICALLY charge in the card issuing currency, regardless of what I had selected on the CC slip. There wasn't a prompt on the CC machine that gave the restaurant an ability to over-ride SGD with HKD at any time throughout the process. I told the restaurant manager that this process was wrong. He said he would "check with his bank". But sure enough, after I came home, I noticed that the latest restaurant bill was charged in HKD. So he did check with his bank after all, and instructed the change. Seems that CC machines can be automatically programmed to charge in the card currency... and the merchant has to ask his acquiring bank to either revert to a prompted process or to manually over-ride a transaction to be charged in the respective local currency before it's settled. But the challenge is... you wouldn't know whether the CC machine has been pre-programmed to convert automatically unless you actually see process happen before you... regardless of what currency choice you may tick on the CC slip! |
I bought a flight ticket from elong.net, 5644rmb should be US$880 from VISA 26aug rate, but they charged my 916usd. I called BoA and they asked "do you do business with this merchant" ? I said yes, and then they said I need to contact the merchant as it's not fraud.
How to proceed? Will elong adjust this, or do I need to speak to another department at BoA cards? |
Originally Posted by nick5000
(Post 25351062)
I bought a flight ticket from elong.net, 5644rmb should be US$880 from VISA 26aug rate, but they charged my 916usd. I called BoA and they asked "do you do business with this merchant" ? I said yes, and then they said I need to contact the merchant as it's not fraud.
How to proceed? Will elong adjust this, or do I need to speak to another department at BoA cards? |
Exact 4.1%, which sounds like a classic Bank of China DCC.
You can chargeback as majuki suggested, but you may compromise the elong flight booking by charging back (happened for Citi HK). Is the travel soon? You can use the ticket, then chargeback if you are still within time frame (120 days per chargeback guide) (some banks like Citi HK purport to limit sixty days, but generally chargebacks have to be honoured within 120 days notwithstanding the banks' purported shortening of time frame). |
What is really provoking is that elong publish and charges a 3% fee for using foreign credit cards. So we end up pay 3% and then another 4.1% on top of that!
I can rebook the ticket again through the airline directly, so I'll try to get BoA to proceed with this, if I can't get any reply from elong today. Have been using elong for many years, but guess this is the end. |
nick5000 if within 120 days I suggest you fly the ticket first, then chargeback.
Don't rebook. It makes it ambiguous whether you're actually flying or not - the airline may reject your second booking. You can still agree you enjoyed the services in full but you were charged the wrong currency - but like me enjoying my meal at A Lorcha Macau then disputing their HKD billing http://www.flyertalk.com/forum/china...l#post17894974 . |
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