會為了害怕DCC儘量避免旅遊期間刷卡嗎? - 信用卡

By Kelly
at 2016-12-09T14:31
at 2016-12-09T14:31
Table of Contents
過陣子要去韓國自由行
假設不考慮每日的匯率不同(因為無法事先預估何時高點 何時低點)
理論上應該是刷卡方便(先不論店家是否都有提供刷卡服務)
因為元大鑽金2.2%足夠抵掉國外手續費1.5%
還有多0.7%的餘裕
(我有細算過 假設10000元台幣 先換美金去換幣所換韓元 vs 直接在台灣換韓元 差很少)
但是如果中DCC應該就不只這樣
因為不懂韓文
就算我看見中DCC的簽單
我覺得要跟店員講到可以順利取消交易重刷應該蠻難的(雖然mstercard好像不會扣手續費)
如果店員根本不知道DCC是什麼 就更難解釋了
變成可能只能保留簽單回來再申訴
但感覺也是一整個超級麻煩
換現金的缺點是因為很難估計花費
花剩的要換回台幣會有買入賣出的差額(出國的頻率很低 留著也沒用)
以前都會把花剩的錢存進外幣帳戶
最近才發現小額超吃虧 因為存/提基本就是100元手續費 如果金額不夠大不划算
還不如直接換回台幣
我目前是打算還是稍微估算 儘量不超過預算
真的不夠就刷卡 因為不足的金額小 DCC的範圍也很有限
好奇大家怎麼選擇
--
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