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還有主動的“美元計價”服務也很坑人,專門坑傻乎乎的美國人
送交者: FVCK 2023月05月28日04:53:38 於 [五 味 齋] 發送悄悄話
回  答: 歡迎pifu01教授來歐洲,不過機場換錢是最坑人的營生,果子狸 於 2023-05-28 03:42:05

中國的酒店也學會了這一套,我早就火眼金睛,洞燭其奸。

(中文是谷歌翻譯):

動態貨幣轉換:說不!!!

一些歐洲商人和酒店經營者——利用以下事實 一些美國人被不尋常的貨幣嚇倒了——他們高興地 向您收取將購買價格轉換為美元的費用。 如果他們提供這種“服務”,拒絕此“服務”(稱為“動態貨幣轉換”,或 “美元計價”)。 你會為看到你的昂貴的便利支付額外的費用 以美元收費。 價格通常基於糟糕的匯率 由商家的銀行設置——即使你用“美元”支付, 您的信用卡發卡行可能仍會徵收其標準的國外交易 費用。 DCC 收費在整個歐洲都很普遍; 在一些國家主要銀行 要求商家提供。 如果你收到一張收據,上面有兩個 總計——一個以當地貨幣為單位,另一個以美元為單位——圓圈 簽字前以當地貨幣表示的金額。 根據 Visa 和 MasterCard 的說法,消費者有權拒絕 DCC 服務:如果您的收據只顯示美元總額,請詢問 它以當地貨幣再次響起。 如果商家拒絕 再次運行收費,現金支付,或在收據上註明“當地貨幣” not offered”並警告店員您將對費用提出異議 與您的銀行。 一些 ATM 機也提供 DCC,通常是故意混淆或 誤導性條款。 如果 ATM 提出“鎖定”或“保證”您的 轉換率,選擇“不轉換就繼續”。 其他提示 可能會說,“你可以用美元支付:按 YES 支付美元,NO 歐元。”始終選擇當地貨幣。

Dynamic Currency Conversion: Just Say No

Some European merchants and hoteliers — capitalizing on the fact that
some Americans are intimidated by unusual currencies — cheerfully
charge you for converting your purchase price into dollars. If it's
offered, refuse this "service" (called "dynamic currency conversion," or
DCC). You'll pay extra for the expensive convenience of seeing your
charge in dollars. The price is usually based on a lousy exchange rate
set by the merchant's bank — and even though you're paying in "dollars,"
your credit-card issuer may still levy its standard foreign-transaction
fee.

DCC charges are common all over Europe; in some countries major banks
require merchants to offer it. If you're handed a receipt with two
totals — one in the local currency and the other in US dollars — circle
the amount in the local currency before you sign.

According to Visa and MasterCard, consumers have the right to decline
DCC service: If your receipt shows the total in dollars only, ask that
it be rung up again in the local currency. If the merchant refuses to
run the charge again, pay in cash, or mark the receipt "local currency
not offered" and warn the clerk that you will be disputing the charges
with your bank.

Some ATM machines also offer DCC, often in purposefully confusing or
misleading terms. If an ATM offers to "lock in" or "guarantee" your
conversion rate, choose "proceed without conversion." Other prompts
might state, "You can be charged in dollars: Press YES for dollars, NO
for euros." Always choose the local currency.

============================

中國的酒店也學會了這一套,我早就火眼金睛,洞燭其奸。

(中文是谷歌翻譯):

動態貨幣轉換:說不!!!

一些歐洲商人和酒店經營者——利用以下事實 一些美國人被不尋常的貨幣嚇倒了——他們高興地 向您收取將購買價格轉換為美元的費用。 如果他們提供這種“服務”,拒絕此“服務”(稱為“動態貨幣轉換”,或 “美元計價”)。 你會為看到你的昂貴的便利支付額外的費用 以美元收費。 價格通常基於糟糕的匯率 由商家的銀行設置——即使你用“美元”支付, 您的信用卡發卡行可能仍會徵收其標準的國外交易 費用。 DCC 收費在整個歐洲都很普遍; 在一些國家主要銀行 要求商家提供。 如果你收到一張收據,上面有兩個 總計——一個以當地貨幣為單位,另一個以美元為單位——圓圈 簽字前以當地貨幣表示的金額。 根據 Visa 和 MasterCard 的說法,消費者有權拒絕 DCC 服務:如果您的收據只顯示美元總額,請詢問 它以當地貨幣再次響起。 如果商家拒絕 再次運行收費,現金支付,或在收據上註明“當地貨幣” not offered”並警告店員您將對費用提出異議 與您的銀行。 一些 ATM 機也提供 DCC,通常是故意混淆或 誤導性條款。 如果 ATM 提出“鎖定”或“保證”您的 轉換率,選擇“不轉換就繼續”。 其他提示 可能會說,“你可以用美元支付:按 YES 支付美元,NO 歐元。”始終選擇當地貨幣。

Dynamic Currency Conversion: Just Say No

Some European merchants and hoteliers — capitalizing on the fact that
some Americans are intimidated by unusual currencies — cheerfully
charge you for converting your purchase price into dollars. If it's
offered, refuse this "service" (called "dynamic currency conversion," or
DCC). You'll pay extra for the expensive convenience of seeing your
charge in dollars. The price is usually based on a lousy exchange rate
set by the merchant's bank — and even though you're paying in "dollars,"
your credit-card issuer may still levy its standard foreign-transaction
fee.

DCC charges are common all over Europe; in some countries major banks
require merchants to offer it. If you're handed a receipt with two
totals — one in the local currency and the other in US dollars — circle
the amount in the local currency before you sign.

According to Visa and MasterCard, consumers have the right to decline
DCC service: If your receipt shows the total in dollars only, ask that
it be rung up again in the local currency. If the merchant refuses to
run the charge again, pay in cash, or mark the receipt "local currency
not offered" and warn the clerk that you will be disputing the charges
with your bank.

Some ATM machines also offer DCC, often in purposefully confusing or
misleading terms. If an ATM offers to "lock in" or "guarantee" your
conversion rate, choose "proceed without conversion." Other prompts
might state, "You can be charged in dollars: Press YES for dollars, NO
for euros." Always choose the local currency.

============================

中國的酒店也學會了這一套,我早就火眼金睛,洞燭其奸。

(中文是谷歌翻譯):

動態貨幣轉換:說不!!!

一些歐洲商人和酒店經營者——利用以下事實 一些美國人被不尋常的貨幣嚇倒了——他們高興地 向您收取將購買價格轉換為美元的費用。 如果他們提供這種“服務”,拒絕此“服務”(稱為“動態貨幣轉換”,或 “美元計價”)。 你會為看到你的昂貴的便利支付額外的費用 以美元收費。 價格通常基於糟糕的匯率 由商家的銀行設置——即使你用“美元”支付, 您的信用卡發卡行可能仍會徵收其標準的國外交易 費用。 DCC 收費在整個歐洲都很普遍; 在一些國家主要銀行 要求商家提供。 如果你收到一張收據,上面有兩個 總計——一個以當地貨幣為單位,另一個以美元為單位——圓圈 簽字前以當地貨幣表示的金額。 根據 Visa 和 MasterCard 的說法,消費者有權拒絕 DCC 服務:如果您的收據只顯示美元總額,請詢問 它以當地貨幣再次響起。 如果商家拒絕 再次運行收費,現金支付,或在收據上註明“當地貨幣” not offered”並警告店員您將對費用提出異議 與您的銀行。 一些 ATM 機也提供 DCC,通常是故意混淆或 誤導性條款。 如果 ATM 提出“鎖定”或“保證”您的 轉換率,選擇“不轉換就繼續”。 其他提示 可能會說,“你可以用美元支付:按 YES 支付美元,NO 歐元。”始終選擇當地貨幣。

Dynamic Currency Conversion: Just Say No

Some European merchants and hoteliers — capitalizing on the fact that
some Americans are intimidated by unusual currencies — cheerfully
charge you for converting your purchase price into dollars. If it's
offered, refuse this "service" (called "dynamic currency conversion," or
DCC). You'll pay extra for the expensive convenience of seeing your
charge in dollars. The price is usually based on a lousy exchange rate
set by the merchant's bank — and even though you're paying in "dollars,"
your credit-card issuer may still levy its standard foreign-transaction
fee.

DCC charges are common all over Europe; in some countries major banks
require merchants to offer it. If you're handed a receipt with two
totals — one in the local currency and the other in US dollars — circle
the amount in the local currency before you sign.

According to Visa and MasterCard, consumers have the right to decline
DCC service: If your receipt shows the total in dollars only, ask that
it be rung up again in the local currency. If the merchant refuses to
run the charge again, pay in cash, or mark the receipt "local currency
not offered" and warn the clerk that you will be disputing the charges
with your bank.

Some ATM machines also offer DCC, often in purposefully confusing or
misleading terms. If an ATM offers to "lock in" or "guarantee" your
conversion rate, choose "proceed without conversion." Other prompts
might state, "You can be charged in dollars: Press YES for dollars, NO
for euros." Always choose the local currency.

============================




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