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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. I just found the recipient for the ECI charge with a DCC amount of $16.55 USD. The Euro amount being converted as part of that transaction was actually 11.64 EUR and not 10.70 as I first reported |
Originally Posted by JEFFJAGUAR
(Post 23115222)
Of course, I have had managers tell me nobody ever complains and to keep the queue moving they don't bother to ask. And then the hassle begins about whether they can void a transaction. Meanwhile the queue behind you is getting longer. Of course, this assumes it is going on in an English speaking environment. What if it's not?
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Originally Posted by rgAAFT
(Post 23115959)
Update
I just found the recipient for the ECI charge with a DCC amount of $16.55 USD. The Euro amount being converted as part of that transaction was actually 11.64 EUR and not 10.70 as I first reported |
Originally Posted by zyxlsy
(Post 23114583)
How did that St. Regis Shenzhen thing go in the end?
I'm highly surprised ECI charged DCC on rgAAFT. Wasn't a choice offered on the signature pad they use? |
Originally Posted by percysmith
(Post 23116912)
Manager showed up in 30 mins with the admin code
I'm highly surprised ECI charged DCC on rgAAFT. Wasn't a choice offered on the signature pad they use? |
I see some PRC banks are promoting dual currency cards with 10X points for foreign spending on Visa/MC channel. I did use one in USA about 8 years ago, but once we canceled the purchase after swiping but before signing, then this authorization stayed on the 建行 Visa/UP card for months! That's when I realized it's better to use a local CC, because 建行rep didn't have any clue what should be done, and kept telling us to go to the merchant for help... |
Originally Posted by zyxlsy
(Post 23118153)
Based on your description, I found it interesting that HK banks wouldn't issue miles for chargebacked transactions. If it was Chase, I would just dispute, and then the amount would be possibly written off by Chase (no bother to chargeback), but I still get the miles and points. Because DCC and non-DCC sales are all considered sales in Chase's system.
I see some PRC banks are promoting dual currency cards with 10X points for foreign spending on Visa/MC channel. I did use one in USA about 8 years ago, but once we canceled the purchase after swiping but before signing, then this authorization stayed on the 建行 Visa/UP card for months! That's when I realized it's better to use a local CC, because 建行rep didn't have any clue what should be done, and kept telling us to go to the merchant for help... |
Originally Posted by percysmith
(Post 23116912)
Manager showed up in 30 mins with the admin code
I'm highly surprised ECI charged DCC on rgAAFT. Wasn't a choice offered on the signature pad they use? Update I can confirm that ECI in Madrid DOES offer and respects currency choice via pin pad at customer level (they even have self checkout lanes with English capable machines). I got dcced at ECI in Barcelona where the DCC choice options probably require cashier input to disable. I got dcced on 2/3 transactions but once got a well trained cashier who did offer me a choice Fellow travelers beware |
Originally Posted by rgAAFT
(Post 23131161)
Update
I can confirm that ECI in Madrid DOES offer and respects currency choice via pin pad at customer level (they even have self checkout lanes with English capable machines). I got dcced at ECI in Barcelona where the DCC choice options probably require cashier input to disable. I got dcced on 2/3 transactions but once got a well trained cashier who did offer me a choice Fellow travelers beware |
Was charged DCC in Kuala Lumpur at a restaurant on my CSP, first time ever in the past many years I think. I made sure the correct currency was marked on the signature slip, have to check my account in a few days to make sure it came through ok.
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Originally Posted by gameover98
(Post 23131373)
Was charged DCC in Kuala Lumpur at a restaurant on my CSP, first time ever in the past many years I think. I made sure the correct currency was marked on the signature slip, have to check my account in a few days to make sure it came through ok.
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BTW, if anyone remembers what happened to me in Shenzhen, I wrote about the issue in a survey and noted that the desk clerk choosing for me was not how it was supposed to go. The general manager actually e-mailed me back on that particular issue.
In short, the response went along the lines of "we're sorry for the inconvenience, we will relay your concerns to the desk staff, our Visa/MC card terminals always allow the customer to choose their payment currency, but we always recommend that customers paying with foreign-currency cards choose DCC to avoid exchange rate fluctuations". |
Something tells me that the CNY:USD exchange rate isn't going to fluctuate wildly over a period of a few days. Notice how most places that have DCC have fairly stable currencies. It's nothing more than a sales tactic. I can't think of a single time when I would have received a better rate with DCC vs. the Visa rate on the posting day for a transaction.
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The only time I can think of where it might be a wash is with one Japan-issued prepaid Visa card I have (long story) that charges a 4% currency conversion markup. In that case it's usually not going to matter too much as to whether the issuer or acquirer does the conversion.
That card is generally only used when I need to spend at merchants online that do region and address checks. |
First Data flyer about DCC. One of the "advantages" is "making payments in the currency of their choice without hidden charges or fees". :rolleyes:
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