DCC: Dynamic Currency Conversion (2017-2025)
Nov 29, 2017 | 3:43 am
#316
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Nov 29, 2017 | 8:15 am
#317
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Just an an update to the response from AmEx customer service - they have explicitly said that DCC is supported and that the customer should be presented with a choice on the terminal at the point of sale. Really surprised by this response and it implies a big change (I think) to the merchant agreement and undermines one of the reasons I use my AmEx over other cards when travelling.
Nov 29, 2017 | 8:24 am
#318
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Edit 1:12am: Sounds different from Dynamic Currency Conversion (DCC) [2014-2016] - there was no one green button.
Last edited by percysmith; Nov 29, 2017 at 10:14 am
Nov 29, 2017 | 8:48 am
#319
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Good question - these are car rental charges booked and confirmed in , with a closing invoice at drop off shown in (although the card is not scanned again) but being billed in $.
Just an an update to the response from AmEx customer service - they have explicitly said that DCC is supported and that the customer should be presented with a choice on the terminal at the point of sale. Really surprised by this response and it implies a big change (I think) to the merchant agreement and undermines one of the reasons I use my AmEx over other cards when travelling.
Just an an update to the response from AmEx customer service - they have explicitly said that DCC is supported and that the customer should be presented with a choice on the terminal at the point of sale. Really surprised by this response and it implies a big change (I think) to the merchant agreement and undermines one of the reasons I use my AmEx over other cards when travelling.
DCC means you should have a choice and chose (or had chosen for you) card currency, multi currency conversion involves a merchant representing you've chosen to deal in card currency all along.
Hard to tell the difference when you didn't sign the actual slip (I assume this is a card swipe situation where some back office did the billing)
My suggestion is - if Amex suggests it's DCC, ask them to charge it back as if unauthorised DCC and use your Euro invoices for supporting. See what merchant tells Amex
Nov 29, 2017 | 9:44 am
#320
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Car rental cos are usual suspects for Multi-Currency Conversion as well as Dynamic Currency Conversion.
DCC means you should have a choice and chose (or had chosen for you) card currency, multi currency conversion involves a merchant representing you've chosen to deal in card currency all along.
Hard to tell the difference when you didn't sign the actual slip (I assume this is a card swipe situation where some back office did the billing)
DCC means you should have a choice and chose (or had chosen for you) card currency, multi currency conversion involves a merchant representing you've chosen to deal in card currency all along.
Hard to tell the difference when you didn't sign the actual slip (I assume this is a card swipe situation where some back office did the billing)
Nov 29, 2017 | 10:23 am
#321
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So wait, if AmEx started allowing DCC two years ago, then wouldn't have we started seeing it more often by now? I know that when I switched my card to the AmEx at checkout from Marriott last month I was still charged in GBP (plus I'm fairly sure the terminal didn't prompt at all).
Nov 29, 2017 | 11:30 am
#322
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So wait, if AmEx started allowing DCC two years ago, then wouldn't have we started seeing it more often by now? I know that when I switched my card to the AmEx at checkout from Marriott last month I was still charged in GBP (plus I'm fairly sure the terminal didn't prompt at all).
Nov 29, 2017 | 11:32 am
#323
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Same with me and the PRC last month, in a hotel with a terminal spitting out exactly the same type of BoC slip as in the wiki, but failing to DCC my Amex.
Nov 29, 2017 | 1:57 pm
#324
Join Date: Nov 2012
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So wait, if AmEx started allowing DCC two years ago, then wouldn't have we started seeing it more often by now? I know that when I switched my card to the AmEx at checkout from Marriott last month I was still charged in GBP (plus I'm fairly sure the terminal didn't prompt at all).
Nov 30, 2017 | 6:44 am
#325
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So, today I dared to dispute. Chase seems to be familiar with DCC:
The FCC link goes to:
Foreign Currency Conversion 
Print
Visa and MasterCard use their own foreign currency conversion procedures; therefore:
So I selected 'Other' and was not offered to add a reason.
Response:
The 1.99US$ is what I calculated the difference to be between what the 305 CNY would have been compared to the 47.95$ that were charged.
The FCC link goes to:
Foreign Currency Conversion PrintVisa and MasterCard use their own foreign currency conversion procedures; therefore:
- The rate when the transaction is processed may differ from the rate when you made the purchase.
- Foreign currency processing fees may have been charged.
Response:
Thank you for submitting your dispute online. See below for important information about this dispute.
Case number D-20171130-xxxxDate opened 11/30/2017Transaction date 11/14/2017Dispute type Other reason for this disputeMerchant SH JI JIE TRADING CO.,LTDDisputed amount $1.99
As your credit card company, we value your business and want you to be completely satisfied with your credit card account.We have credited $1.99 to your account. If applicable, we'll also credit to your account any interest charges related to the disputed transaction. These credits are permanent, and will appear on your next billing statement. Please do not reply to this message. If you have any questions, please click "Compose Message" or call the number on the back of your card. Sincerely,
Chase Card Services
Email Operations Team
Case number D-20171130-xxxxDate opened 11/30/2017Transaction date 11/14/2017Dispute type Other reason for this disputeMerchant SH JI JIE TRADING CO.,LTDDisputed amount $1.99
As your credit card company, we value your business and want you to be completely satisfied with your credit card account.We have credited $1.99 to your account. If applicable, we'll also credit to your account any interest charges related to the disputed transaction. These credits are permanent, and will appear on your next billing statement. Please do not reply to this message. If you have any questions, please click "Compose Message" or call the number on the back of your card. Sincerely,
Chase Card Services
Email Operations Team
Nov 30, 2017 | 7:39 am
#326
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So, today I dared to dispute. Chase seems to be familiar with DCC:
The FCC link goes to:
So I selected 'Other' and was not offered to add a reason.
Response:
The 1.99US$ is what I calculated the difference to be between what the 305 CNY would have been compared to the 47.95$ that were charged.
The FCC link goes to:
So I selected 'Other' and was not offered to add a reason.
Response:
The 1.99US$ is what I calculated the difference to be between what the 305 CNY would have been compared to the 47.95$ that were charged.
Nov 30, 2017 | 1:02 pm
#327
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I wonder what the threshold is for doing the full Reason Code 76 chargeback? I remember Happy having a similar transaction amount in Dubai earlier this year with Chase that did go the full Reason Code 76 chargeback route. I recall the acquirer and/or merchant tried to push back against the chargeback even though there was no signed customer receipt.
Nov 30, 2017 | 11:30 pm
#328
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The Royal Park Hotel The Haneda offered me DCC, which is the first (and will be the only time) on my three country trip over the last 10 days when I saw any DCC. I wasn't paying close attention to the quoted markup, but the exchange rate was 0.0093 USD/JPY with an offer of $103.23 on 11,000. The choice was fully informed, and I was presented with a quotation slip like in Taiwan before the transaction was processed. It looks like the transaction processed and is pending with the non-DCC amount as well. I will follow up once the transaction posts.
Dec 1, 2017 | 12:58 am
#329
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As I keep reading this thread, I am now convinced that I will start using my Amex whenever traveling overseas, it is just not worth having to be constantly vigilant. Hopefully, most of the places will accept Amex.
Thanks to all who contribute to this forum.
Thanks to all who contribute to this forum.
Dec 1, 2017 | 1:07 am
#330
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- can't cherry pick for dirty float/pegged currencies like RMB, HKD, TWD, THB, VND
- can cherry pick for EUR, GBP, AUD, CAD
Pick your poison, really
I used to have a bank AE card that earns 3 miles per US$ overseas but that's now gone
I have Unionpay for places where accepted