Posted March 6th, 2018, 05:34 PM
I've only been nailed by DCC once and that was because I hadn't heard of it before. But the merchant didn't ask; they just put it through in Pounds and the first I understood what had happened was when I looked at the receipt to see a dollar amount and words similar to "Cardholder has chosen to pay in US Dollars ... My choice is final." Uh, no I didn't. I could have raised a stink but as this was an under 10GBP transaction, it wasn't worth it. I quickly learned about DCC and how much it costs. Merchants want you to think it's about convenience - you have the "convenience" of knowing right then and there what it will cost you in your home currency. Thanks but I can wait - if I didn't already know approximately, I wouldn't be buying.
I found https://usa.visa.com/dam/VCOM/downlo...001.MAR.16.pdf
via a Google search - a Visa document specifically about hotels and cruise ships. It's two years old but the relevant language from page 17 is:
"The cardholder must be offered a choice to accept or decline DCC and must actively choose the DCC option prior to the merchant processing the transaction."
More detail follows that sentence including disclosure requirements. On the next page, it states "The cardholder must be able to actively choose DCC. Active choice is defined as the cardholder taking an action to indicate his or her choice to accept DCC. DCC must not be offered by default or as an “opt-out” option."
So based on that, there should be no defaulting to DCC.
(screen name is "el"-stone19, not "eye"-stone19)
Regal Princess 9/9/17 British Isles and Norway Passage (Transatlantic)
Regal Princess 10/22/16 NYC/Canada 5-day
Regal Princess 6/14/16 Baltic
Coral Princess 12/23/03 Panama Canal partial transit
Coral Princess 12/24/02 (cancelled - ship delivery delayed
Dawn Princess 6/01 Voyage of the Glaciers N/B
Sky Princess 5/93 Voyage of the Glaciers N/B
Southward 12/92 Pacific Coast 3-day
Seaward 12/90 Western Caribbean