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If you chose to pay in MYR, how come you can have a receipt in USD?Originally Posted by lamphs
Uh oh...back again. Had a change in travel plans and booked a ticket on MH (MH metal using MH website), paid with my Chase CSR. Given a choice - USD or MYR. I chose MYR. I now see my charge is $279 vs. $262 as quoted. I have a clear receipt stating $262 USD. Is this disputable?
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Good question...for MH, however. It is a PDF that MH e-mailed to me upon issuance of the ticket.Originally Posted by barracuda93
If you chose to pay in MYR, how come you can have a receipt in USD?
To be clear, MH quoted $262, and then gave me the option of paying in MYR.
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To be clear, MH quoted $262, and then gave me the option of paying in MYR.
That looks like multi-currency billing instead of DCC. Was the original airfare quoted in USD? Originally Posted by lamphs
Good question...for MH, however. It is a PDF that MH e-mailed to me upon issuance of the ticket.To be clear, MH quoted $262, and then gave me the option of paying in MYR.
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To be clear, MH quoted $262, and then gave me the option of paying in MYR.
If I understood correctly, original currency was USD (i.e. departure from US or Cambodia?), but for some reason you chose to pay MYR? And Chase converted MYR back to USD, which resulted in expectedly higher amount? If that's the case, I guess there is nothing to dispute.Originally Posted by lamphs
Good question...for MH, however. It is a PDF that MH e-mailed to me upon issuance of the ticket.To be clear, MH quoted $262, and then gave me the option of paying in MYR.
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I booked on MH for a domestic Malaysian flight, and I didn't remember seeing DCC when paying with a USD credit card.Originally Posted by barracuda93
If I understood correctly, original currency was USD (i.e. departure from US or Cambodia?), but for some reason you chose to pay MYR? And Chase converted MYR back to USD, which resulted in expectedly higher amount? If that's the case, I guess there is nothing to dispute.
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Eco Travel, Signatures
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Is this a pending transaction or the final posted amount?Originally Posted by lamphs
....I now see my charge is $279 ....
Looks like eBay's still attempting DCC despite being in the process of transitioning away from PayPal:
Fortunately, unlike in the past, it was relatively easy to opt out by pulling up the currency options box under payment options:
According to xe.com €42 converts to $47.41, so eBay's conversion is a bit more than the 3% they claim. But we'll see what rate Chase uses in any case.
Fortunately, unlike in the past, it was relatively easy to opt out by pulling up the currency options box under payment options:
According to xe.com €42 converts to $47.41, so eBay's conversion is a bit more than the 3% they claim. But we'll see what rate Chase uses in any case.
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Pay attention to the wording. Ebay specifies the spread, but most others specify the fee. You get the fee by dividing the spread by two.Originally Posted by tmiw
According to xe.com 42 converts to $47.41, so eBay's conversion is a bit more than the 3% they claim.
If you specify a fee, then you can charge an additional fee by using a reference rate which already contains an unspecified fee, so the real fee can be a lot higher than the disclosed fee.
If you specify a spread, then you can't use this trick as you are referencing your own buying and selling rates rather than a reference rate.
In this case, the total fee was 3.3%, and the spread was 6.6%. If Ebay claimed to be using a spread of 3%, but used a spread of 6.6%, this sounds like false marketing.
I recently traveled to Amman, Jordan. There is a 40 JOD Visa fee that you can pay by card when arriving. Apparently they automatically use DCC, which in this case was 5.99%. That is the highest I have ever seen! And they didn't have me sign the receipt despite using a chip & signature card.
Anyway, I disputed the transaction with Navy Federal Credit Union. I have disputed with JP Morgan Chase plenty of times and they typically refund the markup within a few days. However, NFCU took about 2 weeks and refunded the entire purchase. Definitely did not expect that.
Anyway, I disputed the transaction with Navy Federal Credit Union. I have disputed with JP Morgan Chase plenty of times and they typically refund the markup within a few days. However, NFCU took about 2 weeks and refunded the entire purchase. Definitely did not expect that.
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Perhaps NFCU went the route of the full Reason Code 76 chargeback. When you say that you have contested charges in the past have those been specifically for entry visas into Jordan or in general?Originally Posted by trmbn65
Anyway, I disputed the transaction with Navy Federal Credit Union. I have disputed with JP Morgan Chase plenty of times and they typically refund the markup within a few days. However, NFCU took about 2 weeks and refunded the entire purchase. Definitely did not expect that.
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I meant in general. Most frequently food purchases in Ireland.Originally Posted by Majuki
Perhaps NFCU went the route of the full Reason Code 76 chargeback. When you say that you have contested charges in the past have those been specifically for entry visas into Jordan or in general?
Just done with my stay in Sao Paulo and all I can say is that Amex had a 100% acceptance rate and just a general recommendation: if you want a piece of mind and no DCC troubles, give up your Visa/MC, at least here.
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Makes sense for Brazil. But it seems like much of the world doesn't take AmEx. I know in Ireland it was basically limited to vendors at the airport, hotels, and steak houses.Originally Posted by greglvnv
Just done with my stay in Sao Paulo and all I can say is that Amex had a 100% acceptance rate and just a general recommendation: if you want a piece of mind and no DCC troubles, give up your Visa/MC, at least here.
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I agree. Irish merchants even DCC Euro denominated accounts based in other EU countries. In my case, it was a UK debit card linked to a Euro account.Originally Posted by trmbn65
Makes sense for Brazil. But it seems like much of the world doesn't take AmEx. I know in Ireland it was basically limited to vendors at the airport, hotels, and steak houses.
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Really? I never saw that happen. Most of the DCC'ing in Ireland was British accounts given how close they are and they share an island with Northern Ireland.Originally Posted by greglvnv
I agree. Irish merchants even DCC Euro denominated accounts based in other EU countries. In my case, it was a UK debit card linked to a Euro account.