Thus far, been hit with DCC at the following places in HK: Al Molo in TST, Yung Kee in Central, and Tai Fung Lau in TST.

I keep disputing them and getting refunds but I wonder if Chase is going to get upset that I'm disputing these (I imagine they can't be happy with disputes period). These are a very small sample of my total number of transactions so I'm hoping they won't mind.

I doubt Chase cares too much. That's why you're using their credit card for the protections it provides. The real question is whether or not they're pursuing a full chargeback or issuing a courtesy credit?

At the above three locations did you try to work with the merchant to see if there was an ability to avoid DCC, or did you [X] the box that was never honored? There are a few places where no matter what we tried we couldn't get out of DCC (Greyhound Cafe), but other ones were possible to avoid as long as you were proactive at the merchant/restaurant.

I withdrew 30k rupees and barely touched them. Card was pretty prominent in most decent restaurants and shops, of course the tiny stores and street vendors didn't have card. I left India to find out that the made the 500 and 1000 rupee notes worthless so now I have 30k rupees of paper which worth nothing.

Only thing with card acceptance is that some places will know if your card is foreign for visa/MasterCard (especially online delivery companies) but paying with Amex fixes that.

I ran into Paypal DCC scam again. Their online system does not allow me to switch off DCC at all. Customer Services said it's a known system glitch that they are still fixing.

It seems this blogger shared the same experience as well: http://milelion.com/2016/11/18/bewar...ings-with-dcc/

Fellow FlyerTalk member encountered DCC at an independent ATM near a supermarket in Inverness today. As with other ATMs, it was easy to opt-out, but the rate was awful:

http://i.imgur.com/ZzKrgJgt.jpg

MasterCard rate: 1 GBP = 1.245043 USD
Offered rate: 1 GBP = 1.3352 USD

DCC markup: 8.855% :td:
Amount saved by opting out of DCC: $4.41

Was at a restaurant in Ginza district of Tokyo. I attempted to pay with my American credit card and it prompted them to choose USD or Yen. It printed a recite asking for USD or Yen in English. They didn't understand at first what it was asking them, it was in English not Japanese. I used Google translate to tell them to push the red button. They consulted their manual and decided that they didnt have a terminal nor a red button to push.

Using Google translate I was able to excuse myself to an ATM machine and get the required cash.

The whole thing pisses me off. Its embarrassing even though it was out of my control. It was way more cash then I wanted to spend, or pull from a checking account.

I wish the whole thing would just go away.

That sounds like a tragic Lost In Translation DCC situation. We travel to Japan every other month (sometimes more frequent than that), card everything we can with our HK-issued cards.

We get the recite in one out of every ten transactions or so, but we always seem to get out of it by saying "Charge Yen!" (maybe twice).

Luckily I was never hit with DCC in my Tokyo/Kyoto trip in August to October this year. It was hard enough explaining my CSP and Citi Prestige were visa and Mastercard. One person handed back my CSP and said Visa only, I turned the card around and she spoke to her manager and came back and would swipe it.

This is something I have against CSP's "innovative" design - more form than utility.

If it's like the one I bumped into, it's actually really darn easy to opt out of. The button might not be red, but there is definitely a "cancel" button of some kind on the terminal to push, and by terminal, remind them it's what they inserted the card into. And the prompt on the screen is in both languages.

I am sure there was a way to bypass this, but this was the first American credit card they had seen in 20 years of business. I have no Japanese at all, and they were nice and all. The food and service was fantastic.

Moral of the story that I learned in Tokyo is carry piles of cash. Trying to explain the concept of DCC via Google translate is not what I consider a good time.

Japan is very good with American Express too. Earlier this month the missus tried to pay for a big omakase we just had. The restaurant chef-owner thought he could take V/M, but couldn't make the missus's card work. He asked me whether I had AE or JCB, which he had better experience taking. My AE worked, but the reason my missus's card was with her bank (stop transactions after 10 overseas transaction/day), not the restaurant.

Just checked into a hotel in Maldives, and they've used DCC (I didn't know it existed until seeing the ridiculous exchange rate) - since it is the pre-auth only, can I ask them to reverse it and charge again with no DCC? I'd like to use this credit card as it has no foreign transaction fees, but even paying with a different card will save me quite a bit. The pre-auth was $500 USD/day, for 5 days so it adds up (my card is a CDN card).

Maldives charges in USD (while they've their own currency, all credit card charges afaik are in USD) - so if they charge you in USD, all is fine.

It would be DCC if they charge you in your native currency, CDN, not their local currency!

They did charge me in CDN! My receipt says an extra 5.375% was charged!!

At this point it is just the pre-auth, so I should be ok, right? I'm going to ask them to reverse the pre-auth and do it again in USD, but will I get dinged with anything for the reversal? I assume not, but since this whole practice is quite deceptive, I figure I should ask!

Thanks!

It's been some time but

- get them to charge your card again on checkout. Tell them you you're fine letting the pre-auth drop off by itself

- do everthing in http://www.flyertalk.com/forum/credi...ad-28.html#406

Living abroad using American credit card....
 

Long story short I have a sapphire and united mileage plus card. Been living in Colombia now for 2 years and use my cards without a hitch all over. A few months ago I had lasik done at a very well known clinic here and after the day of my surgery I recovered and flew back to my city. On big purchases here I always check my CC to make sure I got the correct visa rate exchange for that day. Well I noticed I was charged in dollars by roughly $80 more than I should have.

So I called chase and asked them to look into it and gave them the days rate from visa and told them it was off by 100 pesos to the dollar($2309 charge). A month went by and they came back and said the clinic processed my card in dollars on their end and they would call the clinic. Of course my wife called the clinic for me and explained the situation and they denied it over and over. She called 4 times, finally another month went back and Chase called and said the clinic claimed no wrong doing, plus I signed the receipt.
I said that is true and my eyes were severely dilated so my vision wasn't the best but still it's a mistake. The clinic a few weeks before charged my card in pesos by the way for the initial exam.


A few days ago I sent over my statements to the clinic showing 100's of transactions from Colombia that show a charge in pesos with the conversion below it to dollars and theirs was the only charge on my statement twice showing direct dollars. Also showed them the time they charged my card correctly in pesos. They reply back with their bank statement showing pesos. Well that makes complete sense because a colombian bank operates in pesos lol. I tried to explain to them that they have the machine programmed to have their bank do the conversion, which in return either takes a commission or just gives a bad rate.


Sorry long story wasn't so short. Just curious if anyone else has experienced this?

Google "dynamic currency conversion"

Welcome to Flyertalk, daweeze02. We do have a Forum which is dedicated to Chase credit cards. Please continue to follow this thread in the Chase Forum.
Thanks...
Obscure2k
TravelBuzz Moderator

Moderator action
 

Report merged into established thread discussing dynamic currency conversion, because this isn't really a Chase problem, VISA (and MasterCard) permit it.

Thanks for moving it to the correct forum

Yes, you experienced Dynamic Currency Conversion. You can file a dispute for the transaction with Chase online (select other reason) stating that you were not given a choice to be charged local currency. They can rerun the transaction in pesos the second time around.

Problem is daweeze02 only has 120 days after transaction date to charge back.

Covert DCC - Malaysia
 

Inserted card into slot on pos terminal at a shop in One Utama in KL and expected to key in pin and/or sign.

Sales assistant moves to another terminal away from where card is inserted and processes payment.

My receipt is produced which says 'no signature required' and total amount is RM 399.

Just about to leave when the 2nd terminal spews out the merchants copy which is lengthy with DCC language and has 2 totals on it RM 399 and about $AU 127

Ask them to void several times but they look blank and suddenly don't speak English very well.

I grab the merchant's copy and tick the RM 399 box and write DCC refused on it and leave the shop

Online MC transaction history shows an $AU 127.xx debit pending.

As my card has a 0% loading the MC calculator shows RM 399 would have converted into approximately $AU 120.

7 extra bucks for sweet fanny adams and annoyed I was duped.

I will chargeback when I get back to OZ but really not sure how I could have prevented this...

Malaysia are introducing chip & pin (6 figure) as of 1/1/2017 which I hope will make it easier to prevent this kind of ripoff

My solution: use an American Express card.

Almost always the DCC amount will be held for the pending transaction. In most cases, you won't know if it was without or with DCC until the transaction posts. The post facto DCC certainly violates MasterCard's policy. Fortunately, MasterCard is more permissive than Visa and allows a buyer's remorse, even when you've been duped into signing a DCC receipt. (You didn't sign/enter a PIN for anything with DCC here, and your customer receipt clearly shows no choice/DCC verbiage.)

Definitely file the chargeback (Reason Code 4846 for MasterCard) if in fact the DCC amount posts.

Unfortunately, I am beginning to go more and more down this road. I find myself using the SPG AmEx for all of my Marriott stays now (with better earnings too). I also recently got the ICBC UnionPay card for China when it's too much hassle at every corner to dodge DCC.

The issue is that American Express doesn't have as high of an acceptance rate with some merchants, and a 0% FTF/FCF AmEx may not be an option like it is with most premium/branded American Express cards in the US. I do encourage people to provide feedback to Visa/MC card issuers, especially where there's another choice such as the Chase Marriott Visa v. SPG AmEx or Citi Hilton v. AmEx Hilton and state you're shifting your spend to the AmEx because of non-compliant merchants with DCC. Chase has been the most responsive, and they even provide guidance about disputing a DCC transaction (although they don't call it out by name).

"Almost always the DCC amount will be held for the pending transaction. In most cases, you won't know if it was without or with DCC until the transaction posts"

This is exactly what happened...

Great knowledge on this forum and I'm learning fast.

It was showing as AUD$127 in the pending transaction history and has now been posted as AUD$120 which ties in with the MC rate calculator so in the end I wasn't DCC'd

It's a relief I don't have to chargeback for 7 bucks but I would have done so on principle

This whole issue sucks, millions of $ siphoned off for nothing

You have to be a Swiss or a Briton on certain days to like DCC

Glad to hear it. ^

I wonder why the merchant's slip printed out the DCC language even though the first receipt for the customer did not?

I haven't been to Malaysia, but I thought merchants in Malaysia were generally compliant.

"transaction date" is usually the date it has been charged to the account, sometimes it's even a later date.

Source: See MasterCard's chargeback guide or VISA's rules and regulations.

http://usa.visa.com/dam/VCOM/downloa...les-public.pdf PSR-847

Transaction Date The date on which a Transaction between a Cardholder and a Merchant or an Acquirer occurs.

http://www.mastercard.us/content/dam...back-guide.pdf page 399

Transaction Date

The Transaction date appearing in DE 12 (Date and Time, Local Transaction) is specified as follows

For the following transation... The transaction date is the date on which...
Face-to-Face The products or services are exchanged

In my experience, as a holder of Mastercards and Visa in different countries and regions the policy and definitions of the terms varies like night and day.

I just had a situation in Hong Kong at the hostel I stayed at (The Mahjong) that reminded me a lot of the horror stories in this thread it had me very nervous:

1. They didn't take American Express
2. With my MasterCard, they inserted it and the terminal said "rate lookup" (oh no). They assured me I would get to choose.
3. I circled HKD on the receipt.
4. My copy of the receipt had both amounts and the statement (incorrect) that I had elected not to use MasterCard currency conversion.
5. I waited patiently for several days. The authorisation was in GBP (just over £189).
6. The final amount posted as $1700 (just over £178).

I saved just under £11 by opting out of DCC, and they did, in fact, honour the currency choice on the receipt despite showing all the hallmarks of non-compliant systems in this thread. Therefore clearly there *is* a way these merchants can honour your selection if they want to.
​

They have to update things after the transaction which is similar to how USA tipping works.

Hello Allie,

I have found hotels in HK and abroad are generally compliant with DCC choices although sometimes you need to be proactive. My experience in HK, however, is limited to the SkyCity Marriott, Hong Kong Island Courtyard, and the Conrad. Additionally, the Novotel Citygate is compliant through a friend's report.

You weren't hit with DCC in this case, but fortunately you have a couple of things in your favor in HK. First, if you want reassurance, ask for a "courtesy copy" or, more commonly, "reprint" receipt. Cashiers will understand "reprint", and this 100% will show the transaction currency, local or DCC. This will give you 100% assurance that you opted out successfully or give them a chance to void the transaction and try again. Keep in mind that usually the DCC amount is held until the The transaction posts. The second factor is almost, but not all, receipts in HK are carbon copy, clearly showing your selection on your carbon copy receipt. This provides full protection to you as the merchant cannot provide any evidence that you opted in to DCC.

I one time made the front desk of a local hotel to get me the "courtesy copy" from the accounting dept to show that my bill was charged in HKD as it should have been but the initial copy I got, was confusing like hell, with all the notion that it was DCCed.

Must say, even the local hotels would first ask you which way you want to be charged - then the front desk would circle the currency (HKD) in most cases, but in rare cases the front desk marked a slash on the HKD, making it look like the HKD was crossed out. I protested on one such occasion and specifically wrote down in WORDS that HKD was chosen.

The pending amounts almost always in the DCCed amounts, but the actual posted amounts were all in local currency converted to USD in the MC or Visa rates.

It is quite annoying but is not as horrible as in the past.

Eateries almost always upfront in HKD at least for those restaurants we go. (all are frequented by locals, no expat type).

Do you mean that they don't offer DCC? That would make sense for an establishment that had few non-local customers. I'm sure that the banks run reports on current merchant accounts to identify which have the biggest opportunity to try to sell DCC to. Why bother with those where there's little potential for extra profit.

I'm a bit skeptical of this statement too. Even Sweetheart Steakhouse offers DCC (I've seen a Singapore visitor asking about it). If you've been to one, you won't see Sweetheart as a tourist destination.

Moderator action
 

Discussion continues here:

http://www.flyertalk.com/forum/credi...rsion-dcc.html