Originally Posted by jamar (Post 23089942)

Not every Millenial is like that, though.

When we went on a shopping trip to HK, I found out my sister was DCCed at a Zara when I asked her how her morning shopping went (she went to TST, I went to Sham Shui Po, then we met up and headed to the airport) and she said they offered to charge her in C$ and she took it, mostly because of her insistence on using her own debit card wherever possible coupled with her resistance to getting a UnionPay debit card (granted, the only bank in Canada that issues them has all of two branches in Vancouver, but still).

Originally Posted by percysmith (Post 23086036)

Chase eats the 1% on CSP right?
Not for V/MC - even the most aggressive V/MC passes the 1% along but simply adds no mroe.

Unionpay only - no Visa/MC on those cards
Two accounts - one RMB (usable only within the PRC) and HKD (usable outside PRC including HK)

Originally Posted by percysmith (Post 23088186)

http://www.flyertalk.com/forum/china...on-33.html#488She doesn't ATM - either her messenger walks a cash withdrawal slip to her bank (and by standing arrangement her bank manager will accept such slips up to about US$10K) or her bank manager walks with his cash float to her office (in hongkongcard.com this was called "walking ATM").

Originally Posted by rgAAFT (Post 23093634)

How best is it to explain the concept of DCC to Chase "dispute specialists" who don't know any better?

Originally Posted by rgAAFT (Post 23093634)

How best is it to explain the concept of DCC to Chase "dispute specialists" who don't know any better? I am in Spain now , and am noticing that at some supermarkets ( (el cort ingless ) I keep getting DCC. I try to opt out but they are too fast for me and there is usually a huge line of people waiting to check out. I submit the charges to Chase as they happen but the lady I just talked to at Chase issued me the temporary credits due, but didn't seem to have a clue about what my actual dispute reason is. Is this common with Chase? Or just a dumb rep? My worry is that if Chase cant properly explain my request to the merchant then how will they know that I just want a refund for the DCC portion of the charge?

Originally Posted by JEFFJAGUAR (Post 23093802)

It's common with every bank, with every dispute department. Few if any have any clue.

Originally Posted by Majuki (Post 23093730)

When talking to Chase the lines of "The merchant overcharged me." or "I did not agree to pay this amount." should work. You don't have to mention DCC.

This is language Chase will understand. You can then get technical on any dispute forms. If they're issuing you a credit then they're probably not bothering with a dispute.

If you post the amount in euros and the date the transaction posted in USD, we can calculate exactly what the rate should have been should a dispute be filed. Also, I thought it was possible to be charged in euros at ECI by telling them upfront. "Quiero pagar in euros." If you get the receipt in USD, you can refuse to sign and write "Local option not offered" and cross out the USD amount. Take a picture with your mobile phone. You can then tell them "No voy a firmar." Obviously a little language fluency helps here, but it's not required. If possible get them to void the first transaction and start fresh jwithout the DCC scam.

Originally Posted by rgAAFT (Post 23093988)

That's good to know for future reference but in practice when there is a line of people behind you, not very fun

Originally Posted by rgAAFT (Post 23093988)

That's good to know for future reference but in practice when there is a line of people behind you, not very fun
Meanwhile,
The (at least two) DCC charges for which I have proof, are as follows

Transaction date June 23 14 33.07 Euro vs I was charged $47.06 USD with a June 24 post date

There was also a June 20 transaction with post date of 6/22 with a USD charged amount of $16.55 vs the amount in euros was like 10.70

Originally Posted by percysmith (Post 23093824)

Would doing the chargebacks in hard copy (at least by fax, if cost is a concern) and attaching the relevant pages of the VIOR/MC International Rules on Reason Code 76/Message 4846 help?

Originally Posted by alexmt (Post 23094156)

Haven't even had a DCC offer in the UK yet with plenty of opportunities. Amex acceptance is dismal. The fact places like Costa Coffee, Baskin Robbins, and Krispy Kreme don't take it shocks me.

Originally Posted by percysmith (Post 23094359)

Not even hotels (low-end accor properties) stung us last time, or restaurants in hotels like Dorchester or Connaught.

Originally Posted by Majuki (Post 23094118)

I don't care about those people behind me. At that moment, I'm just trying to make sure I don't get ripped off. Those people behind you aren't looking out for your best interests, unless they're those of us on the thread of course. :D

According to visa with the posted dates (and assuming your card is 0% FTF):
6/22: 10.70 EUR = 14.59 USD (13.43% DCC scalp and overcharged $1.96)
6/24: 33.07 EUR = 45.02 USD (4.53% DCC scalp and overcharged $2.04)

Are you sure this was 10.70 EUR? And which Chase card are you using? It has 0% FTF, right? If the transaction was 10.70 EUR then that DCC amounts to usury. :mad:



It might not get to that point. If Chase issues a credit over the phone and decides to eat the $1 or $2 DCC scalps here and there, that's fine from the consumer. However, there is a threshold where they will do an investigation and send you paperwork to fill out and send back to them. At this point you pull out all of the stops and send them copies of the receipts, photos of the merchant copy defaced with forced DCC (or a checkmark next to the local currency), and in that paperwork you then request a Reason Code 76 or Message 4846 chargeback stating that the merchant did not offer you the option of paying in local currency even though it was requested. I would even pay for the postage to mail this paperwork back to Chase certified mail. It's not about the money. It's about the principle. I want to be as big of a pain in the rear about forced DCC and waste as much time and effort for Chase and the offending merchant as possible until this scourge is reined in.

Originally Posted by rgAAFT (Post 23094726)

1. I'm physically disabled my mom is the one who most of the time interacts with merchants etc and. she is not the type of person who will ask for reversals etc (on some things she has adopted the American custom of "why go through the trouble' Since we do travel a lot we knew what to do if the choice was given, but this is the first trip where I am hyper sensitive to the issue because I now know I have a choice in the matter and what to do about it (TG for flyertalk) and God only knows how much we have potentially over paid in total over the years
2. I don't remember exactly how much the euro charge was for the $16.55 amount
3. I use CSP as my primary card and Chase temporary credited me that full amount for both charges (not just the amount of DCC)