(2) definitely didn't happen at Coyote/Greyhound. After the Rainbow do we know we can have merchants reprint the slips but that is only required if merchant claims s/he made currency selection.

Not all Tsui Wah locations have full charge. Cannon Street has a full terminal. Mongkok argyle street has contactless only. Central takes no card (but it's renovating so they may put one in when it reopens).

No, moondog means if you chose home currency, you should have to live with your decision.

But moondog, if Mastercard, this isn't technically true. MC's chargeback manual allows post-event assertion of DCC opt-out. Yes it might appear to allow buyer's regret. But given it requires the MC-issuing bank to help apply this chargeback I don't see a lot of scope of abuse of this theoretical loophole

This is the ONLY case that we've been discussing in this entire thread.

Hello Sintaku. Yes, there have been successful resolutions to disputes of members on this forum who have filed chargebacks when the merchant did not respect the currency choice and forced DCC. If you have been hit with DCC, you can explain the circumstances here and we can try to help.

My interpretation of MC's manual is that it does appear to allow buyer's regret, but this would require a cooperating card issuer. Furthermore, there's enough wiggle room that I'm sure if a cardholder had taken any action to opt-in to DCC that it would be an uphill climb to try to get a post transaction change to local currency through a chargeback.

Well if the merchant has a slip circled home currency, the merchant can probably "represent"

Successfully pulled off a impromptu Cappuccino purchase at Starbucks Charing Cross Road. I pulled out my Mastercard only to remember this is one of the few chances I can charge my Starbucks card outside of HK.

Only forgot two things:

1. I forgot to take down the pre-debit value but judging from the cents left in my card (I had a round number of HK$ pre-purchase) I believe the exchange rate was $11.87 when Yahoo Finance was showing $11.89;

2. I forgot to try the app first and pulled out my long-forgotten magstripe card from my travel wallet. The app could've been read - the barista subsequent read off the balance of my card from my app. Omitted to earn Starbucks Rewards.

My biggest guess is that the owner of Coyote/Greyhound don't know how to operate the machine in regards to DCC... They should input the currency selection, then you can have the second slip. If they don't know how to do that, you are stuck in DCC unfortunately.

The one I went to is near InterContinental Stanford. It surprised me as well when I saw they accept Visa/MC.

I used my CSP and got hit with DCC at Mr. Pancake Plus at Hong Kong Plaza (in Shanghai). I immediately complained that their system wouldn't honor my wishes, but staff ensured me it would.

I waited for it to post like the ikea charge, and surprise surprise, I was charged the DCC amount, not the RMB amount. :td:

I disputed the overcharge with Chase, and they immediately credited my account the difference. Good service from Chase ^

You were honestly surprised that the staff at Mr pancake gave you inaccurate information?

Unlike HK (Rainbow, acquirer Hang Seng) or Maldives (Taj Rxotica, acquirer Global Payments), if you see DCC wording in China, you've been DCCed for certain. A Mainland Chinese slip must be completely DCC-verbage free to confirm DCC has been successfully avoided. Accept no DCC verbage there - void the slips til they get it right or submit alternate payment.

Milksteak - congratulations, you've just robbed Peter (Chase) to pay Paul (Pancake Plus' acquirer). Pancake plus will not be charged back for its non-compliant actions - Chase comped you out of pocket. Dunno which of the two you treat as the bigger evil.

There is only one successful Reason Code 76 chargeback that I know of with Chase, and that was cxua with Greyhound Cafe. If the difference is small, I expect it to be too much of a hassle for Chase to chase the acquirer.

Not surprised at all actually - just sarcasm that doesn't convey really well through the internet.

I didn't kick up too much fuss since my gf was starting to ask me what's wrong. I didn't want to tell her to shut up while I argued with the staff for $1.50. I dropped it and left.


I don't know if it's fair to use the word rob, as there is some intent behind that word. Chase's resolution method is of their choice not mine. Which I only knew of until I submitted the dispute (my first dispute). Being immediately concerned about their resolution method, and what really mattered is the prevention of future DCC - I immediately replied to their dispute resolution message and explained why I am even disputing such a low amount to begin with. I attached my receipt as supporting document, explained the situation and pleaded to them, about what they could further do.

I asked them if they could put some kind of pressure on the merchant or Visa, to properly follow DCC rules, as this scam-like behavior really makes me want to throw my card in the drawer and reach for my Amex in the future.

I'm not sure how effective that message is or if that kind of pressure even makes sense as I might not understand the inner workings of DCC well enough. I could be barking up the wrong tree so to speak. I figured some kind of effort to speak up against this is better than none. It's been a few days already and I've only received a reply saying they're still looking into it. I will share further info here if and when I get it.

It will bother me if Mr. Pancake goes "unpunished". Whether it's a chargeback or some kind of warning from Chase or Visa, something, anything. I also left a restaurant review on a popular site, which I sternly mentioned about the DCC scam and how they won't honor your request for local currency charge on the slip. That's all I can or have time to do after the fact. As for Chase, I've given them the info and made it clear what the issue is and what I want them to do for me. We'll see what they finally reply with.

My very first encounter with DCC!

Clerk at the Prado Museum gift shop in Madrid asked politely "Euros or Dollars?" She seemed a bit taken aback at the ferocity of my response.