Dynamic Currency Conversion (DCC)
#91
Join Date: Dec 2007
Location: Cambridge, UK
Posts: 261
Don't get me started on how my dentist made me driving a 12-miles round trip through the city centre to make a payment because they had no idea how to process a request for authorisation over the phone.
#92
Join Date: Nov 2010
Programs: IHG Platinum
Posts: 1,066
Unfortunately, the training provided in using credit card terminals in the UK is generally quite poor, especially at small businesses or franchises. I regularly find staff in smaller businesses have no idea what to do when prompted with anything unusual (e.g. DCC, declined payments, referrals, cards without chips).
Don't get me started on how my dentist made me driving a 12-miles round trip through the city centre to make a payment because they had no idea how to process a request for authorisation over the phone.
Don't get me started on how my dentist made me driving a 12-miles round trip through the city centre to make a payment because they had no idea how to process a request for authorisation over the phone.
http://www.statravel.co.uk/cashcard-topup.htm
#93
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Yesterday I did what you said and transferred an amount slightly more than covering both a pending dining charge AND the Net $9.45 I was told by the Chase CSR, from my Chase checking account. It did allow me to do it. So I thought it finally ends.
NOPE! This morning I checked Chase one more time before heading out to the cruise terminal later. I found my Available Credit was reduced but there was no pending billing to show that. After some reconciliation (due to the payment would have resulted a small credit but now I actually "owe".), I found that the full $49.45 IS now being "rebilled" as the Available Credit Limit is reduced by the Net of $49.45 + the overage credit resulted by the overpayment yesterday.
The $40 credit promised by the CSR IS NOT included in the Available Credit.
Last Thursday I saw the Available Credit was affected by a NET of $9.45. Now it is affected by a $49.45.
Since I bought TLL-HEL ferry tickets this morning at 44 euro, I went ahead transferring $100 from the checking account to cover both the $49.45 and the ferry tickets which I am not sure it would be treated as Travel until it is billed. (Still have lust under $50 travel credit to use for 2017).
Now I will not have internet access or at least affordable access from this afternoon thru May 1st the first port of call on the mainland. Satellite internet on the ship is ultra slow and ultra expensive at $070 per minute...
What a STUPID thing to do by going thru the full blown RC 76 dispute for a $2.35 difference. I would just write it off to begin with but the obsession of some posters here got to me and I foolish to do this "for the team" even though I am skeptical on the worthiness of such. Turns out my original hunch is right. It is totally NOT worth it.
It has caused tons of work for Chase and tons of time to follow up from me. Totally NOT worth the trouble. A very simple phone call on the DCC difference without all this gymnastic would be a much quicker resolution. In any case, it is the US Banks absorb the scam charge. Those who think that going thru the formal dispute process would make things better in the future, you are living in a pipe dream.
Last edited by Happy; Apr 19, 2017 at 8:06 am
#94
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,761
Can Chase reverse credit card refunds into check account? I don't have US banking experience but in HK this can be arranged for incoming credit card refunds.
Last edited by percysmith; Apr 19, 2017 at 8:54 am
#95
Join Date: Jan 2007
Posts: 33
Seeing a big uptick in DCC in Hong Kong in the past 4 or 5 months particularly at restaurants (Mak Mak, Beef & Liberty & Big Fernand). Always try to stress to staff to please process in Hong Kong Dollars and they almost always say:
1) Yes, sure, we always do (but of course it goes through with DCC added)
2) There’s not choice on the terminal
Had success disputing with Chase but it’s a lot of paperwork, postcards & voicemails from India (very hard to call back).
1) Yes, sure, we always do (but of course it goes through with DCC added)
2) There’s not choice on the terminal
Had success disputing with Chase but it’s a lot of paperwork, postcards & voicemails from India (very hard to call back).
#96
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,056
Seeing a big uptick in DCC in Hong Kong in the past 4 or 5 months particularly at restaurants (Mak Mak, Beef & Liberty & Big Fernand). Always try to stress to staff to please process in Hong Kong Dollars and they almost always say:
1) Yes, sure, we always do (but of course it goes through with DCC added)
2) There’s not choice on the terminal
Had success disputing with Chase but it’s a lot of paperwork, postcards & voicemails from India (very hard to call back).
1) Yes, sure, we always do (but of course it goes through with DCC added)
2) There’s not choice on the terminal
Had success disputing with Chase but it’s a lot of paperwork, postcards & voicemails from India (very hard to call back).
In Hong Kong, especially with the carbon copy receipts, you have good evidence for filing a chargeback. I also request a courtesy copy or reprint. It will show whether or not you're safe:
In the case of DCC, you can request that the merchant void the transaction and retry to see if there is a facility for opting out or with another card.
#99
Join Date: Feb 2005
Location: CGN
Programs: KL FlyingBlue Gold, AY+, MM FTL, TK*G
Posts: 348
It has always been possible to opt out, though. After some further investigation it turns out that the default setting for my cards have been changed from "Charge in currency of seller's invoice" to "Paypal conversion to Card's home currency" without my knowledge or notification.
I urge everyone to log in to their PayPal account and check the status of their cards wrt currency conversion.
I urge everyone to log in to their PayPal account and check the status of their cards wrt currency conversion.
#100
Join Date: Mar 2006
Location: UK
Programs: BA GGL, BA LTG/GFL, Honors Diamond, Accor Platinum, Bonvoy Silver
Posts: 716
About 10 days ago my Paypal account for recurring payments on MasterCard had suddenly changed from seller invoice currency to PayPal DCC. Also my payment in store (I only use at certain Shell petrol stations in the U.K.) had changed source from an Amex to my current bank account.
Obviously I did not make either change. Naughty PayPal....
Obviously I did not make either change. Naughty PayPal....
Last edited by rjn21; May 1, 2017 at 11:53 am
#101
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 19,761
Japan now has compulsory DCC
Supplied by kaka, infringing merchant is Kokumin Drugstore at Odori, Sapporo, no asking and cannot be reversed.
Breaks the assumption Japan is compliant even if DCC is offered.
Breaks the assumption Japan is compliant even if DCC is offered.
Last edited by percysmith; May 3, 2017 at 5:56 am
#102
Join Date: Nov 2012
Posts: 3,537
#103
Join Date: May 2006
Location: PMD
Programs: UA*G, NW, AA-G. WR-P, HH-G, IHG-S, ALL. TT-GE.
Posts: 2,907
#104
Join Date: May 2017
Posts: 2,016
Any idea on what to do with a non-compliant Japanese website? The website used forced DCC: I can neither pay in my local currency nor in the merchant's local currency but only in the currency of a third country which is incorrectly identified as my card's billing currency. I need to use the website once in a while and therefore can't risk being declared a persona non grata by the website owner, so it's a bit risky to file for a chargeback. Is there a way to anonymously report the website to VISA or to the authorities to have this shortcoming rectified?
#105
Join Date: Nov 2014
Location: NYC
Posts: 556
https://usa.visa.com/Forms/merchant-...aint-form.html - use the 'other' checkbox.
But be sure that this is actually a DCC situation. If they process all cards through a merchant account in, say, the US, they can still charge you USD even if your card is in, say, CAD. This would only be against policy if the site shows prices in JPY but then actually charges you in a different currency.
But be sure that this is actually a DCC situation. If they process all cards through a merchant account in, say, the US, they can still charge you USD even if your card is in, say, CAD. This would only be against policy if the site shows prices in JPY but then actually charges you in a different currency.