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-   -   Dynamic Currency Conversion (DCC) [2014-2016] (https://www.flyertalk.com/forum/credit-card-programs/1542983-dynamic-currency-conversion-dcc-2014-2016-a.html)

JEFFJAGUAR May 18, 2014 6:54 am


Originally Posted by percysmith (Post 22883054)
moondog, jeffjaguar: I tried

In Harrods, I spoke to both a supervisor and a Harrods Black Card concierge. Both confirmed no HKD reversal http://www.flyertalk.com/forum/u-k-i...-currency.html

In GL, I even thucked youed the GL customer service rep to his face in front of my dotted line manager http://www.flyertalk.com/forum/franc...lafayette.html

All I got were apologies (Harrods) and advice to see my issuer bank (GL) (for which I thucked the rep).

Perhaps you need to see one of those POS terminals to believe it - it's one of those where the register spits out the sales invoice and card slip in the same thermal slip. There is no stand-alone card terminal (as commonly seen in HK/Macau/China).


Two other indicators that these terminals can run a refund only:

- at my first DCC at Harrods, I asked the junior cashier to void the whole slip and charge it again. She confirmed she can only refund the whole slip, then with my permission proceeded to so in GBP and recharge the whole purchase in GBP. All I achieved was to incur the GBP MC spread.

- on a subsequent purchase (no DCC) I bought seven items and very shortly returned one item. Instead of voiding the charge and replacing the invoice (as shops would in Hong Kong) I was given an additional slip for the refund of one item (and the card refund printed underneath).

Just as to your last point. That's the way it works in the USA. If you buy a few items and return one, they print a credit slip (including the sales tax) so you would have on your account the full charge and subsequent credit for the item returned.

Of course it becomes more complicated if the original sales was a dcc sale or even was done in a foreign country because, although it might no longer be true, on a dcc charge, the 3% ftf is added to the charge, and on a credit the 3% ftf is subtracted from the credit. In other words, those people moronic enough to use a credit card with a foreign transaction fee n a foreign transaction, they have you going and they have you coming!

AA_EXP09 May 18, 2014 7:58 am


Originally Posted by JEFFJAGUAR (Post 22883018)
Look. People make errors. Let's take dcc out of the equation for just a second. Clerks can enter a wrong amount.

Which can also be remedied via a chargeback (code 80)

percysmith May 18, 2014 9:31 am

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Re aa_exp09: since there is no tick box requirement on Visa Europe slips but a signature will still be collected, the slip must be defaced manually and (for jurisdictions like Hong Kong and Singapore where the burden of proof is on the cardholder to prove s/he did not select DCC) a photograph of the slip needs to be taken.

Majuki May 18, 2014 10:55 am


Originally Posted by percysmith (Post 22883688)

Re aa_exp09: since there is no tick box requirement on Visa Europe slips but a signature will still be collected, the slip must be defaced manually and (for jurisdictions like Hong Kong and Singapore where the burden of proof is on the cardholder to prove s/he did not select DCC) a photograph of the slip needs to be taken.

Is it permissible simply to deface the signature slip without signing?

percysmith May 18, 2014 6:34 pm

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Majuki: the old bill may be called in as if you haven't paid.

sam_goh May 28, 2014 2:52 pm

Starbucks at the base of Tower Bridge in London (billed as Guoman tower) charged in USD today with an Arrival Plus card. Asked to be billed in pounds. Difference was about $10.80 (DCC) versus $10.47 (pending charge on Barclays at their exchange rate). I know, I know it's only 33 cents but it's the principle :)

Majuki May 28, 2014 3:48 pm


Originally Posted by sam_goh (Post 22940093)
Starbucks at the base of Tower Bridge in London (billed as Guoman tower) charged in USD today with an Arrival Plus card. Asked to be billed in pounds. Difference was about $10.80 (DCC) versus $10.47 (pending charge on Barclays at their exchange rate). I know, I know it's only 33 cents but it's the principle :)

I'm a bit confused. Did you successfully avoid the DCC scam by specifically being asked to be billed in GBP or did they pull it on you anyway after requesting local currency? If the former, it's good to know at least one merchant in the UK is honoring our 'choice'. If they scammed you anyway, definitely complain to Barclaycard.

JEFFJAGUAR May 28, 2014 3:52 pm


Originally Posted by sam_goh (Post 22940093)
Starbucks at the base of Tower Bridge in London (billed as Guoman tower) charged in USD today with an Arrival Plus card. Asked to be billed in pounds. Difference was about $10.80 (DCC) versus $10.47 (pending charge on Barclays at their exchange rate). I know, I know it's only 33 cents but it's the principle :)

So did they void the transaction and do it properly in sterling? Or did they try to push one of the three great lies on you (the USD amount is an approximation to give you an idea of what it cost, you were given a good rate, we have no control over it as the terminal does it automatically).

AllieKat May 28, 2014 11:30 pm


Originally Posted by sam_goh (Post 22940093)
Starbucks at the base of Tower Bridge in London (billed as Guoman tower) charged in USD today with an Arrival Plus card. Asked to be billed in pounds. Difference was about $10.80 (DCC) versus $10.47 (pending charge on Barclays at their exchange rate). I know, I know it's only 33 cents but it's the principle :)

Probably another good reason to use your Starbucks card :)

Majuki May 29, 2014 6:24 am


Originally Posted by alexmt (Post 22942214)
Probably another good reason to use your Starbucks card :)

I did that at the one near St. Paul's Cathedral back in November 2011, but I did not get a good exchange rate. You could say it was Starbucks' own version of DCC. :D

AA_EXP09 May 29, 2014 9:58 am


Originally Posted by Majuki (Post 22943176)
I did that at the one near St. Paul's Cathedral back in November 2011, but I did not get a good exchange rate. You could say it was Starbucks' own version of DCC. :D

That being said, collecting stars may make that worth it :D

AllieKat May 29, 2014 11:27 am


Originally Posted by Majuki (Post 22943176)
I did that at the one near St. Paul's Cathedral back in November 2011, but I did not get a good exchange rate. You could say it was Starbucks' own version of DCC. :D

Really? I always thought that the exchange rate was comparable to the major credit cards.

Majuki May 29, 2014 12:49 pm


Originally Posted by AA_EXP09 (Post 22944286)
That being said, collecting stars may make that worth it :D

I don't remember if I collected a star in that purchase or not.


Originally Posted by alexmt (Post 22944821)
Really? I always thought that the exchange rate was comparable to the major credit cards.

It was, but the exchange rate fee at the time was worse than using one of the 0% FTF cards that I had. I was more curious to see how it would work and what the exchange rate would be. Supposedly there is no FTF now, so you should be free to give it a go. This is one time where a form of DCC is in the customer's favour (favour? :D).

AllieKat May 29, 2014 1:53 pm


Originally Posted by Majuki (Post 22945393)
I don't remember if I collected a star in that purchase or not.



It was, but the exchange rate fee at the time was worse than using one of the 0% FTF cards that I had. I was more curious to see how it would work and what the exchange rate would be. Supposedly there is no FTF now, so you should be free to give it a go. This is one time where a form of DCC is in the customer's favour (favour? :D).

This isn't DCC. Starbucks is the network in this case, DCC is currency conversion that bypasses the network.

Majuki May 29, 2014 4:10 pm


Originally Posted by alexmt (Post 22945850)
This isn't DCC. Starbucks is the network in this case, DCC is currency conversion that bypasses the network.

Ah. You're right. It would be DCC if the store chose the exchange rate and presented it to Starbucks in USD. ^


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