DCC: Dynamic Currency Conversion (2017-2025)
Jan 17, 2025 | 1:00 pm
#1291
Join Date: Dec 2003
Location: NYC
Posts: 7,029
I found my post in this thread https://www.flyertalk.com/forum/34796149-post949.html
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.
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.
Your language looks good, especially since it worked
Jan 17, 2025 | 2:05 pm
#1292
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
You used reason code 12.3. Looking that up finds https://www.chargebackgurus.com/char...essing-errors#
Your language looks good, especially since it worked
Your language looks good, especially since it worked
Jan 20, 2025 | 5:52 am
#1293
Join Date: Dec 2003
Location: NYC
Posts: 7,029
I can't take credit for 12.3, the FT collective told me what to do. :-) Because it is a dispute on a consumer card, they should credit you back immediately, then investigate if they want to (which is why I sent the secure message as well). I got the credit and never heard from anyone beyond the secure message rep saying something like the issue had been resolved or closed, something like that. Please post the language and steps you use so we have a recent template to follow.
BTW, the increase was 5.87%. Perhaps they added some amount in addition to the DCC surcharge?
Last edited by richarddd; Jan 20, 2025 at 5:58 am
Jan 21, 2025 | 3:26 am
#1294
Join Date: Dec 2003
Location: NYC
Posts: 7,029
Chase replied to our secure message with a description of how to dispute a charge, which is not helpful since we already disputed the charge and so indicated in the original secure message. I replied that there wasn't space to add text and wanted the message to be part of the dispute file.
Jan 21, 2025 | 3:59 am
#1295
FlyerTalk Evangelist
Join Date: Mar 2002
Location: Saipan, MP 96950 USA (Commonwealth of the Northern Mariana Islands = the CNMI)
Programs: UA Silver, Hilton Silver. Life: UA .60 MM, United & Admirals Clubs (spousal), Marriott Platinum
Posts: 17,991
I just withdrew PhP 10,000 from my Navy Federal Credit Union (NFCU) checking account, using an NFCU debit card in a Euronet ATM in "downtown" Lazi, Siquijor, Republic of the Philippines.
Thanks to this thread, I declined DCC.
Looking at a receipt left by the previous customer 30 minutes earlier, he or she wasn't as fortunate.
However, the exchange rate was only PhP 56.50/$, compared to the xe.com rate of PhP 58.51/$.
Thanks to this thread, I declined DCC.
Looking at a receipt left by the previous customer 30 minutes earlier, he or she wasn't as fortunate.
However, the exchange rate was only PhP 56.50/$, compared to the xe.com rate of PhP 58.51/$.
Last edited by SPN Lifer; Jan 21, 2025 at 4:10 am
Jan 21, 2025 | 2:20 pm
#1296
Join Date: Dec 2003
Location: NYC
Posts: 7,029
Chase replied to our secure message with a description of how to dispute a charge, which is not helpful since we already disputed the charge and so indicated in the original secure message. I replied that there wasn't space to add text and wanted the message to be part of the dispute file.
Jan 21, 2025 | 2:53 pm
#1297
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
If the dispute already resulted in you getting a credit, I'd sit tight. If they later deny or take back the credit maybe escalate?
Jan 30, 2025 | 2:19 pm
#1299
Moderator: Hyatt, American Express; FlyerTalk Evangelist
Join Date: Jun 2015
Location: WAS
Programs: :rolleyes:, DL DM, AA EXP, UA Silver, Hyatt Glob, Mlife Noir (=> Marriott Amb), invol FT beta tester
Posts: 21,645
Recent DCC datapoints at ATMs:
Singapore: 3.85% HSBC, 3.99% UOB, none at OCBC or Citi.
Obtaining EUR while transiting FRA, 18% TravelEx
Singapore: 3.85% HSBC, 3.99% UOB, none at OCBC or Citi.
Obtaining EUR while transiting FRA, 18% TravelEx
Feb 26, 2025 | 7:01 pm
#1300
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,743
Revolut recently replaced my US-issued debit card with a UK-issued one. Not sure why, but that now opens up the opportunity for me to test out some domestic DCC. Anyone interested in any particular stores or POS systems (i.e. if a smaller business somehow enabled DCC by virtue of adopting Clover or Toast or something)? No guarantees but if I can justify purchasing something small (or if it's a purchase I'm already going to make anyway for other reasons), I can try tapping or inserting the Revolut card instead.
Feb 27, 2025 | 12:08 am
#1301
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,959
From a cursory search, it appears that Toast doesn't support DCC but Clover can if the merchant enables the feature. I'd be curious to see how many small merchants have chosen to enable this given the fact that the overwhelmingly dominant card currency would be USD.
Feb 27, 2025 | 2:26 pm
#1302
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,743
Tried at one Clover merchant so far and got no DCC prompts. I'll keep an eye out and see if there are any, but I suspect it might not be common as you mentioned.
Feb 28, 2025 | 1:07 am
#1303
Moderator: Lufthansa Miles & More, India based airlines, India, External Miles & Points Resources
Join Date: Dec 2002
Location: MUC
Programs: LH SEN
Posts: 52,648
Took the family skiing in Austria (Zillertal) last weekend and my US CSR triggered DCC at every POS (hotel, ski pass, rental, eateries, etc) . 'press 1 for USD, 2 for EUR' pressing the green button defaults to USD. Super annoying, especially when paying by tapping my android phone.
Feb 28, 2025 | 1:34 am
#1304
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,111
oliver2002 same, though my time was more in Czechia and Hungary than Austria in Nov 2024.
Even with Apple Pay
But it wasn't hard nor confusing to opt out of. Service staff pretty much knew non-CZK/HUF charging was not to my benefit (nor theirs).
Even with Apple Pay
But it wasn't hard nor confusing to opt out of. Service staff pretty much knew non-CZK/HUF charging was not to my benefit (nor theirs).
Mar 16, 2025 | 12:57 am
#1305
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,959
I saw a number of these PNC Bank branded ATMs at SAN that had stickers that said "Dynamic Currency Conversion". The sign below the screen said that there was a $3.99 surcharge. I don't know if it's possible to get to the DCC prompts prior to the surcharge, however.
