It's a little more difficult to dispute an ATM transaction given that these ATMs offer a way to decline DCC (and the cash & balance scam), which I detailed in this post. You can still try to dispute the transactions, but I suspect a company such as Euronet to vigorously contest any disputes.

File a dispute per the normal process with Chase. As I said in my previous post, at ~$5, Chase is unlikely to file a chargeback and simply credit you the money you are out. This further proves my point in cases of known forced DCC that it might be easier to use cash to avoid the situation. The staff were lying, of course, and the fact that you were in a rush didn't help attempt to resolve the issue at the time of the transaction.

As a best practice, I also look for merchants where there are customer facing credit card terminals. In cases where they hand me the terminal, I hold onto it until the receipt prints, showing local currency.

Now you got me worried about my upcoming trip to Czechia and Hungary. I'll try and ask for Apple Pay where I can, so I can as for CZK/HUF charging and watch the servers do it.

My current foreign spending bank has some reasonable dispute resolution. But I hope I don't have to go there.

I go cash free in UK and Canada.
The former has pre-included gratuity and the latter has gratuity selection in terminals.

I almost also did in US, but, I felt I needed to get the reception for keeping my bag after checkout.
(The small denomination USD also proved helpful in Doha for transit tour - helped me give something for the guide)

In Europe I tend to pass gratuities to servers in cash.
(Not consistently, I forgot to do this in Sweden. But in Eurozone countries I carry or withdraw big notes and then ask hotel receptions to do their best to break them).

Good question! Reasons for cash are multiple: (1) Tipping at our luxury hotel , (2) One tour we arranged specifically asked for a cash payment. I dislike both, but I go along to get along. 😀

I did check out in person! Yet they still did the "back office" on me. One of the two hotels is looking into correcting it. The other denies they charged me in dollars, though my credit card statement couldn't be more clear - one shows a charge converted to US$ from the hotel, the other does not.

Such a f'ing waste of time. I wish credit cards would shut this down - the only arguable benefit "people want to know what the charge will be in their home currency" can be achieved just with display without DCC.

I misinterpreted what you had said in the previous post since you had mentioned express checkout.

This is the purported benefit of DCC or to mitigate potential exchange rate risks. However, I've noticed that my Visa cards for the most part have been using the transaction date exchange rate when previously they had been using the posting date exchange rate.

Historically, DCC wasn't as big of a scam as it is today. DCC offers of 3% or so were common, and cards used to charge a currency exchange fee. Ironically, it benefitted one historically to accept DCC at up to 3% since you'd get rewards on the whole transaction amount. As cards switched to foreign transaction fees and more and more cards began to offer 0% FTFs, accepting DCC no longer made sense.

My experience in early days was that even with DCC card issuers that charged their own FTF still charged the FTF because the transaction was "foreign" - i.e., the fee was for the higher risk on foreign transactions and the cost of dispute resolution, not the convenience of converting currency (or so they claimed). So you would pay ~ 3%+3% with DCC, or 3% without. In other words, DCC *never* made sense to me.

Re express checkout - it's unclear to me too sometimes! I've found many hotels have already processed the checkout and charged your card early in the morning, even if you go to the desk to get the receipt and confirm the bill. I'm not sure if that had happened in this instance - I don't think so - but anyway I was clear on DCC and they did otherwise. Still sorting. One has mostly fixed, but I still came out $10 down. Not sure whether worth arguing further.

It was probably 15+ years ago when cards started changing from currency conversion fees to foreign transaction fees, so it's been awhile. It did make sense when a card had a currency conversion fee of 3% and DCC was up to 3% since you'd get the rewards on the full transaction amount in the case of DCC whereas the card issuer would not accrue rewards on the currency conversion fee. Perhaps as a result of DCC becoming more widespread card issuers changed from currency conversion fees to foreign transaction fees. Now with many US cards offering 0% FTFs, DCC makes no sense.

I always make sure to get the credit card terminal receipt to verify that there is no DCC. Another option is to check-in with an Amex for the preauth and then ask to change the card at checkout. That might afford you additional control and the opportunity to opt out.

Physicians in the Philippines want their professional fees in cash, even though hospitals generally accept credit cards (in local or dynamic foreign currency).

I wonder if they are fully reporting their income to the Bureau of Internal Revenue (BIR)? ;)

Mrs. Majuki and I visited a new mall in New Taipei City, and both Uniqlo and one of the restaurants had DCC (with the same terminals). At Uniqlo, the terminal was unfortunately behind the counter, and the employee tapped Mrs. Majuki's card. The cashier did hand the terminal over for the currency selection. At the restaurant, which was pay when exiting, the terminal was customer facing. Furthermore, the signature was electronically captured, so there's no confirmation of the currency selection other than the amount does appear on the signature pad. Perhaps in the case of forced DCC that you could refuse to sign:

https://cimg8.ibsrv.net/gimg/www.fly...a83038f10a.jpg

Take a photo or video of you ticking the TWD selection...?

There wouldn't be a good way to provide this to the card issuer. As I said, the amount did appear on the signature screen, so if it showed something other than local currency you could refuse to sign.

(I just had to upload photos via live chat for another dispute)

Depends whether there's a back button from the cashier's workflow. If not, you're going to scribble "Did not agree to DCC" and have them accept that.

Ireland ATM DCC Rate
 

Yet another absurd convenience fee of over 13%:

https://cimg8.ibsrv.net/gimg/www.fly...630ebe2a1.jpeg

I'm wrapping up a 2 week trip to Islay, Glasgow, Edinburgh, and London, happy to report that other than 14.99% offered and declined :) at a TravelEx ATM in GLA airport, no DCC encountered across a bunch of contactless transactions (mostly Chase but a couple Amex)

I wouldn't mind being so lucky!

Hyatt made the correction graciously, but I still came out behind somehow by about $10. They then gave me an additional credit of $40.
The other hotel continued to insist they billed in AUD, and I needed to address with Chase, which I did. I disputed what I calculated to be the difference - about $60. We'll see what happens.