On the non-DCC slips from BoC and 交行, I only see:

Invoice No (Check No)
Auth Code
Batch No
Ref No

:confused:

Also, I really do have the feeling that using chip cards on 交行 machine can avoid DCC.

At this Sheraton, the waitress said another customer tried so many times with a foreign Visa and couldn't avoid DCC (with all the means, like hitting cancel, etc.). When I swiped my CSP, the transaction was automatically DCC-free.

No DCC on this, but auth code present

http://i161.photobucket.com/albums/t...nSZBoCslip.jpg

Boo. HSBC HK offered to cash out the hongkongcard.com cardholder and honour the overseas spend promo with respect to the DCC amount in lieu of full chargeback.

As a full chargeback will take a couple of months (in my experience, as acquirers are allowed time to perform representment) but the HSBC overseas spend promo requires spending to be posted by end of promo period (31 August), the cardholder must accept.

I still cling to my previous theory - perform full chargeback if you can, penalise the issuer if you can't (make the issuers push for changes).

I agree with this approach and can accept a resolution where there is no loss to the consumer. I think that eventually the issuers will tire of issuing courtesy credits just like they got tired of American customers calling in to complain that their magstripe only cards weren't working or were refused overseas. They realized repeating the line, "Under the accept all cards policy the merchant is required to take your card," wasn't going to work. Fortunately we haven't gotten to the point of, "Under Visa policy, the merchant must always offer you the choice of paying in local currency." Right. :rolleyes:

In this case it was probably better to get the courtesy credit on the account because didn't the husband get snookered into accepting DCC? While the receipts weren't compliant and probably could have prevailed in a chargeback situation, it wasn't a case where the customer adamantly refused DCC but was still forced into accepting DCC. I do think issuers would rather eat the occasional costs DCC complaint than perform a full chargeback even though this means the merchant won't be punished.

Just dodged a DCC
 

Purchased some tix for a local walking tour of Quebec for a trip in a couple months. The tour operator uses PayPal services to settle bills. If you decline to use your PayPal account, you can use a credit card, which I did. I already had seen the bill racked up in Canadian dollars (CAD). But one screen before the "submit to pay" page comes up, the amount suddenly changes to US dollars. There is a link in small print for "other conversion options," so I click that, and I can select to pay in the vendor's original currency. I did that and dodged a pretty sneaky DCC attempt. On the first page, the only amount showing is the already converted US$. (No I didn't check to see how bad the rate was.)

Beware!

Most of us are well aware of PayPal, thankfully, they have one of the sneakiest and most deceptive DCC systems around.

I backed a Kickstarter in Australia with my CSP tonight and I'm happy to report that they didn't try to DCC me. ^ Normally Kickstarter sends you to Amazon Payments to complete the transaction, but I guess they only do that for US based ones. It's also good that I have a FTF free card because otherwise it'd be a surprise for not so good reasons.

EDIT: actually, the Chase emails I got after they authorized my card show the amount in USD, not AUD. I'll probably know more once the Kickstarter finishes but according to Visa's exchange rates for 8/15, AU$1 = US$0.933107 and the authorization on Chase's online banking is for $0.93 so it's probably still a good bet that I didn't.

I think things will always appear as USD to Chase. You won't see the exchange rate until you can get a PDF of the statement, but it seems like using the current day's Visa exchange rate still works. ^

I think Majuki is absolutely right on the above statement.

Another thing: although some would find this old news, I do think this is useful. We all know BoComm交行 is notorious on forced DCC, and I've seen a lot of their DCCs when using magnetic cards.

However, after using the chip of my CSP on several BoComm terminals which DCCed me before, I can confirm using chip cards automatically disable their DCC capability. Back then, we had to hit cancel on BoComm machines. But with chip cards, no DCC is default.

I feel that maybe these BoComm machines in Beijing have firmware code that doesn't apply DCC when chips are used. Based on my feeling, disabling DCC is not a functionality of the chips, but is merely done by the incompetence of the DCC program code used in these terminals.

Correct, it sounds like DCC isn't setup for EMV - there's nothing in the EMV application to disable DCC.

We have chips in HK since time immemorial...never stopped BoCxnts or Global Pxssies from DCCing us.

I was referring to that specific incident. I can't imagine they don't have DCC working on EMV at all. Maybe a US dollar thing? Who knows?

Maybe acquirer-specific. But certainly it's not a technological barrier affecting all acquirers.

Absolutely not, Ireland has no issue DCCing EMV cards, including USD ones!