FlyerTalk Forums

FlyerTalk Forums (https://www.flyertalk.com/forum/index.php)
-   Credit Card Programs (https://www.flyertalk.com/forum/credit-card-programs-599/)
-   -   Dynamic Currency Conversion (DCC) [2014-2016] (https://www.flyertalk.com/forum/credit-card-programs/1542983-dynamic-currency-conversion-dcc-2014-2016-a.html)

kebosabi Apr 24, 2014 9:46 am


Originally Posted by HkCaGu (Post 22751808)
Now for this hotel-contract-small print issue, can we make a stamp or sticker effective saying something like "Notwithstanding any fine prints in this document, I hereby reject any consent to be DCC'd."?

Step 1 - Pick a nice portable pocket stamp. These seem to be nice, small, and cool:
Retail Rubber Stamps
Simply Stamps
Colop (not an online distributor, but has dealers all over the world)
Office Sign Company

Step 2 - Let's agree what the stamp should say. Should be short, concise, and to the point. Put on the wiki above.

Step 3 - Once we agree to what it's written, make your own stamp with that text.

Optional - If you want, you can create an image file in Photoshop or something to spruce up the text or even add a second language (Chinese, French, German etc.). Those fluent in other languages could help out with image files (especially non-Roman character languages; i.e. Chinese, Korean, Japanese, Cyrillic, Thai, etc. that these websites will not accept as plaintext entries).

zyxlsy Apr 25, 2014 8:27 am


Originally Posted by kebosabi (Post 22753903)
Step 1 - Pick a nice portable pocket stamp. These seem to be nice, small, and cool:
Retail Rubber Stamps
Simply Stamps
Colop (not an online distributor, but has dealers all over the world)
Office Sign Company

Step 2 - Let's agree what the stamp should say. Should be short, concise, and to the point. Put on the wiki above.

Step 3 - Once we agree to what it's written, make your own stamp with that text.

Optional - If you want, you can create an image file in Photoshop or something to spruce up the text or even add a second language (Chinese, French, German etc.). Those fluent in other languages could help out with image files (especially non-Roman character languages; i.e. Chinese, Korean, Japanese, Cyrillic, Thai, etc. that these websites will not accept as plaintext entries).

Need help with Chinese then I'm your guy.

kebosabi Apr 25, 2014 9:24 am


Originally Posted by zyxlsy (Post 22759554)
Need help with Chinese then I'm your guy.

Cool.

So I guess we go on to deciding what to put down onto the stamp.

Is

Choice of currency was not offered by the merchant at time of sale and I do not agree to the terms of automated Dynamic Currency Conversion

A good, short consise statement?

Other ideas would be welcome.

HkCaGu Apr 25, 2014 11:14 am


Originally Posted by kebosabi (Post 22759909)
Cool.

So I guess we go on to deciding what to put down onto the stamp.

Is

Choice of currency was not offered by the merchant at time of sale and I do not agree to the terms of automated Dynamic Currency Conversion

A good, short consise statement?

Other ideas would be welcome.

How about a more concise but less generic one:

Merchant refuses to offer choice of currency.
I do not agree to settle transaction in USD.
商户拒绝提供货币选择。本人不同意以USD交易。


Either preprint card currency or fill in the blank.

percysmith Apr 25, 2014 11:58 am

This is only necessary in case a box is not offered.
This is only really legal in Europe (Harrods, Galleries Lafayette)

In any case, cross out DCC verbage (e.g. "I have chosen not to use the MasterCard
currency conversion process and agree that I will have no recourse against Mastercard concerning the currency conversion or its disclosure") and replace

"I have not been offered choice of currencies for payment. Please charge me in [Local Currency][Amount]."

Photo, sign and return to merchant.

The first line directly refutes the choice has been provided requirement in https://usa.visa.com/download/mercha...n.pdf#page=482 .

The second statement draws upon bills of exchanges law as applied to credit cards (where valid; this will probably be valid in British Commonwealth, not sure about US), where the card issuer has the responsibility to pay the amount as specified in a card slip similar to a drawee bank's responsibility to pay the amount as specified in a cheque.

percysmith Apr 25, 2014 12:01 pm


Originally Posted by HkCaGu (Post 22760586)
How about a more concise but less generic one:

Merchant refuses to offer choice of currency.
I do not agree to settle transaction in USD.
商户拒绝提供货币选择。本人不同意以USD交易。


Either preprint card currency or fill in the blank.

You won't get to use a Chinese stamp.

Either:

- if this is a slip from a card terminal, a box is always printed (I've never seen a Chinese DCC card terminal not issue one). Tick the CNY/RMB box and chargeback if it gets posted in USD; or

- (the Sheraton Futian case) you won't have any paperwork to stamp unless you ask for the charge to be made. In which it will be done by card slip.

kebosabi Apr 25, 2014 12:10 pm


Originally Posted by percysmith (Post 22760820)
You won't get to use a Chinese stamp.

Either:

- if this is a slip from a card terminal, a box is always printed (I've never seen a Chinese DCC card terminal not issue one). Tick the CNY/RMB box and chargeback if it gets posted in USD; or

- (the Sheraton Futian case) you won't have any paperwork to stamp unless you ask for the charge to be made. In which it will be done by card slip.

Sure, but that's if you're looking to using an US issued credit card in China. How about if you use a China issued credit card and get dinged with automated DCCs in Europe?

As show on the photos on the wiki, not everyone here is a credit cardholder issued by an American bank, so not everyone here is their credit card home currency in USD. Some here also have credit cards issued in Japan, Hong Kong, Canada, UK, etc. etc...

If you're dinged with automated DCCs in Europe and if your bank happens to be in Hong Kong, I think it would be nice to have a stamp that's written in both English and Chinese.

percysmith Apr 25, 2014 12:13 pm


Originally Posted by kebosabi (Post 22760878)
Sure, but that's if you're looking to using an US issued credit card in China. How about if you use a China issued credit card and get dinged with automated DCCs in Europe?

Fair enough. Chinese cardholders write in Chinese. Italians write in Italian. There is no requirement for the cardholder to be able to write in the local language but certainly for a Commonwealth jurisdiction, writing an explicit amount for the issuer (drawee) to pay is sufficient.

percysmith Apr 25, 2014 12:15 pm

P.S. this will only be really necessary if the merchant cannot void in cardholder currency. For me I normally void the DCC slip and hand over an Amex/Unionpay.

JEFFJAGUAR Apr 25, 2014 12:36 pm

Rubber stamps are a problem. Why not decide on a statement and print up labels in several different languages which can be attached to the sales slip (although some might say the merchant might take the labels off). Seems simpler and much less fuss.

kebosabi Apr 25, 2014 12:43 pm


Originally Posted by JEFFJAGUAR (Post 22761018)
Rubber stamps are a problem.

How so? :confused:

percysmith Apr 25, 2014 12:49 pm


Originally Posted by kebosabi (Post 22761054)
How so? :confused:

Multi-language (although I think that is not necessary)
Having to carry the stamp.


Originally Posted by JEFFJAGUAR (Post 22761018)
Rubber stamps are a problem. Why not decide on a statement and print up labels in several different languages which can be attached to the sales slip (although some might say the merchant might take the labels off). Seems simpler and much less fuss.

Got a problem with carbon slips also. Unless you photo the merchant's copy of the slip before you give it back.

JEFFJAGUAR Apr 25, 2014 12:53 pm


Originally Posted by kebosabi (Post 22761054)
How so? :confused:

...guess I should have finished the thought. Compared to printing labels. I can easily print a bunch of labels saying anything at a much lower cost than a rubber stamp although I'm not saying rubber stamps are a bad idea!

kebosabi Apr 25, 2014 12:57 pm


Originally Posted by percysmith (Post 22761086)
Having to carry the stamp.

Must be a cultural thing. I always carry a hanko stamp when I'm in Japan. Not much of a bother since it's small and portable. The trodat series of stamps seem to be small enough to carry around too.

zyxlsy May 9, 2014 5:48 am

I know this is quite off the topic. But can anyone give a quick lesson regarding:
Batch No
Invoice No
Trace No
Auth Code
Refer No
?

Are these unique to UnionPay system? Do Visa and MC's E-payment system use the same set of numbers and codes?


All times are GMT -6. The time now is 10:53 am.


This site is owned, operated, and maintained by MH Sub I, LLC dba Internet Brands. Copyright © 2026 MH Sub I, LLC dba Internet Brands. All rights reserved. Designated trademarks are the property of their respective owners.