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发表于 2012-2-3 02:07:42
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4 r# w" p& ?3 U# Z+ x6 v2 v y已经有人回答了.结论是招行卡陷阱太多,慎用!!!!, v3 A2 S6 I5 M" Y1 }0 }/ j
本帖最后由 ahamard 于 2011-12-15 11:42 编辑 ; k6 w5 d, D, ~! Y! _
What is dynamic currency conversion?. M3 \! P( k3 ]4 F$ j( T
Dynamic Currency Conversion (DCC), also referred to as Cardholder Preferred Currency (CPC), is a service offered by merchants – not Visa - in some countries when you are traveling abroad. If you choose to use the DCC service, the merchant will convert the purchase price of goods or services at the point of sale from the currency in which the price (i.e., the merchant’s local currency) is displayed into another currency (i.e. your home currency) using an exchange rate that typically includes a service fee.
8 {; M) ?* d0 d2 @1 a4 ]( Q0 |3 _* GHere’s an example of a DCC transaction:
2 i( @( _% x# d# A( k0 ~A U.S. Visa cardholder is in Singapore and decides to purchase a box of chocolates priced at SGD 20. At checkout, the merchant offers the cardholder the option to pay in USD using a DCC service.
& ^. @% E; y# d) Q7 q# ]The merchant dynamically converts the SGD transaction amount to USD 15.80. The DCC transaction amount and transaction currency (in USD) are disclosed to the cardholder. An exchange rate of 0.79 (1 SGD = .79 USD), which includes a 2.5% mark up (over a wholesale exchange rate) and the 2.5% comion/fee/mark up are also disclosed to the cardholder.8 ~% {4 O! v1 u1 }
The cardholder actively chooses DCC by checking a box on a printed receipt or pushing a button on an electronic screen and agrees to pay USD 15.80 for the box of chocolates using the exchange rate provided by the merchant that includes a 2.5% fee for the DCC service.- h9 m& g- ?+ ~! ]1 N
If you do not want to use DCC when making a purchase, then you have the right to refuse the offer and have your transaction billed in the merchant’s local currency, which will then use Visa’s conversion rate. If you did not agree to DCC, but see it on your bill, then you should ask your issuing bank to contest the charge. |
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