DCC: Dynamic Currency Conversion (2017-2025)
Jan 1, 2025 | 9:16 pm
#1276
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,959
The UK ETA app has no way to opt out of MCC. The Ł10 fee came across at $13.07 since I indicated I was applying from the United States. Based on the exchange rate, it looks like it's a 4.25% conversion fee. I don't know how to dodge this fee unless you're applying from another place that uses the pound (or perhaps applying for renewals from within the UK, if possible).
Jan 1, 2025 | 10:16 pm
#1277
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 376
What if you indicate you’re applying from the UK even though you’re not? I had to do that for my UK card to be run in GBP.
Jan 1, 2025 | 10:27 pm
#1278
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,109
But it seems Home Office has abused Majuki ’s honesty.
As a side note, my attempts to circumvent Chrono24.com’s attempts to force MCC wasn’t successful https://www.flyertalk.com/forum/cred...l#post36728923 . That’s why I was grateful the seller offered to relist the item I wanted on eBay, said it works better for him too:
Last edited by percysmith; Jan 1, 2025 at 10:42 pm
Jan 6, 2025 | 8:11 am
#1279
Join Date: Jan 2014
Posts: 508
Thanks, Pekao bank worked. But the atm maxed out at 200 PLN
Various Google maps review show that other people got no fee too
Bank Polski did not partner with planet cash/Euronet, but they still charged 19.9PLN + 12.13% dcc
Velo bank (planet cash 20PLn fee or 0+ 13.9% DCC).
Various Google maps review show that other people got no fee too
Bank Polski did not partner with planet cash/Euronet, but they still charged 19.9PLN + 12.13% dcc
Velo bank (planet cash 20PLn fee or 0+ 13.9% DCC).
Jan 6, 2025 | 10:25 am
#1280
Join Date: Nov 2023
Posts: 13
The transactions posted on my bank account . Preauth and transaction data matches the visa.com rate with 0% bank fee.
Jan 15, 2025 | 2:16 pm
#1281
Join Date: Dec 2003
Location: NYC
Posts: 7,029
Restaurant in Paris showed a charge of 148 euros on machine. I tapped with my phone. Charge came through in dollars, about a 4% surcharge with no prior warning. Restaurant said it couldn't do anything. Can I get any satisfaction from Chase, the issuer ("I was charged more than expected")?
Last edited by richarddd; Jan 15, 2025 at 2:24 pm
Jan 15, 2025 | 4:38 pm
#1282
Moderator: Travel Safety/Security, Travel Tools, California, Los Angeles; FlyerTalk Evangelist
Join Date: Dec 2009
Location: LAX
Programs: oneword Emerald
Posts: 24,750
Restaurant in Paris showed a charge of 148 euros on machine. I tapped with my phone. Charge came through in dollars, about a 4% surcharge with no prior warning. Restaurant said it couldn't do anything. Can I get any satisfaction from Chase, the issuer ("I was charged more than expected")?
Jan 15, 2025 | 6:54 pm
#1283
Join Date: Oct 2011
Location: Los Feliz-Los Angeles (BUR/LAX) Arun Baheti
Programs: UA MM/Gold; HH something depending; Marriott Gold; other opportunistic statuses
Posts: 1,944
Restaurant in Paris showed a charge of 148 euros on machine. I tapped with my phone. Charge came through in dollars, about a 4% surcharge with no prior warning. Restaurant said it couldn't do anything. Can I get any satisfaction from Chase, the issuer ("I was charged more than expected")?
Jan 16, 2025 | 12:08 am
#1284
Join Date: Dec 2003
Location: NYC
Posts: 7,029
Jan 16, 2025 | 12:38 am
#1285
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,959
How did you determine what the conversion should have been (the Visa exchange rate calculator https://www.visa.co.uk/support/consu...alculator.html requires specifying a bank markup)? Is there anything else I should be writing? The closest Chase menu option for the problem seems to be "I was charged more than expected" if I'm reading correctly.
Jan 16, 2025 | 11:30 am
#1286
Join Date: Oct 2011
Location: Los Feliz-Los Angeles (BUR/LAX) Arun Baheti
Programs: UA MM/Gold; HH something depending; Marriott Gold; other opportunistic statuses
Posts: 1,944
How did you determine what the conversion should have been (the Visa exchange rate calculator https://www.visa.co.uk/support/consu...alculator.html requires specifying a bank markup)? Is there anything else I should be writing? The closest Chase menu option for the problem seems to be "I was charged more than expected" if I'm reading correctly.
Jan 16, 2025 | 12:16 pm
#1287
Join Date: Dec 2003
Location: NYC
Posts: 7,029
I either used an online tool or another Visa transaction from the same day that did not have DCC to determine a rate. In my message said I specifically declined conversion, was forced, rate should have been X resulting in $xxx USD, but they used rate Y resulting in $yyy USD charge, and requested the difference back. It was small, but I hope it resulted in a chargeback to the merchant. There is no bank markup on my Visa card. I didn't use a form, used secure messaging at chase.com
Jan 16, 2025 | 1:26 pm
#1288
Join Date: Oct 2011
Location: Los Feliz-Los Angeles (BUR/LAX) Arun Baheti
Programs: UA MM/Gold; HH something depending; Marriott Gold; other opportunistic statuses
Posts: 1,944
I didn't see a form for DCC issues. I just used Chase secure messaging about the card in question. At the time that was also the rec in a FT thread. Assuming I didn't miss it, maybe they've had enough of these complaints to create a form? I've found the secure messaging is pretty quick results with Chase. Now that I am thinking about it, I may have disputed the transaction and sent a secure message. But I never saw a form to fill out
Jan 17, 2025 | 11:29 am
#1289
Join Date: Dec 2003
Location: NYC
Posts: 7,029
I didn't see a form for DCC issues. I just used Chase secure messaging about the card in question. At the time that was also the rec in a FT thread. Assuming I didn't miss it, maybe they've had enough of these complaints to create a form? I've found the secure messaging is pretty quick results with Chase. Now that I am thinking about it, I may have disputed the transaction and sent a secure message. But I never saw a form to fill out
If you or others have a better idea, please let me know.
Last edited by richarddd; Jan 17, 2025 at 11:56 am
Jan 17, 2025 | 12:24 pm
#1290
Join Date: Oct 2011
Location: Los Feliz-Los Angeles (BUR/LAX) Arun Baheti
Programs: UA MM/Gold; HH something depending; Marriott Gold; other opportunistic statuses
Posts: 1,944
I chose the charged more than expected. After submitting I also send a secure email explaining the issue and math and referencing my dispute. They did reply to confirm the credit would stick.