正面看待DCC - 信用卡
By Skylar DavisLinda
at 2016-01-26T10:48
at 2016-01-26T10:48
Table of Contents
前陣子到中國旅遊,能刷外卡的地方不管是服飾店或是酒店,
基本上很少遇到不會DCC的,各種交代要刷人民幣,
對方也給你看了,但還是會刷成台幣/美金,
看過很多討論串,估計是中銀刷卡機強制DCC的問題,
這問題基本上無解,但是難道我們去就不能刷卡了嘛?
這樣未免因噎廢食,現在就來跟大家說說其實DCC也不是壞事。
-----------------------------------------------
什麼?你以為我要說匯率嘛?當然不是
拿到帳單之後,確認入帳當日VISA/MASTERCARD匯率,
發現匯率怎麼夭壽高,基本上就可以肯定是中了DCC,
這時把你所有有疑義的單據彙整,並將刷卡單據留存,
然後打電話給花旗(我這案例是花旗),
跟客服先生/小姐說我這筆交易的刷卡幣別是錯誤的,
對方刷成台幣但是我是要刷人民幣,
我要將這(幾)筆款項列爭議款,
這時客服小姐跟你說如果最後是你刷的/幣別無誤的話要付NT$100,
若再不服可請國際組織仲裁,但要更貴(貌似是NT$500),
這時我說好喔,請幫我列爭議款,於是客服請我自行扣除這幾筆消費外加手續費,
再用ATM繳款,於是經過漫長的調查後,
這幾天我發現我的未出帳交易紀錄多了幾筆11月初的海外人民幣交易,
才想起來原來調查結束了,跟原本的帳單一比對,每筆交易都少了約4%-5%左右,
十一月初的消費,本來十二月底要繳款,現在變成二月底才要繳款,
你怎能不愛強制DCC?XD
我也處理過美國花旗的DCC爭議款,地點一樣在中國,
線上按一按然後表格填一填傳真過去,完全沒跟人講到話就處理完了,
這個只慢了一個月繳款,比較不推(?)XD
希望大家都能碰到DCC 呵呵
--
基本上很少遇到不會DCC的,各種交代要刷人民幣,
對方也給你看了,但還是會刷成台幣/美金,
看過很多討論串,估計是中銀刷卡機強制DCC的問題,
這問題基本上無解,但是難道我們去就不能刷卡了嘛?
這樣未免因噎廢食,現在就來跟大家說說其實DCC也不是壞事。
-----------------------------------------------
什麼?你以為我要說匯率嘛?當然不是
拿到帳單之後,確認入帳當日VISA/MASTERCARD匯率,
發現匯率怎麼夭壽高,基本上就可以肯定是中了DCC,
這時把你所有有疑義的單據彙整,並將刷卡單據留存,
然後打電話給花旗(我這案例是花旗),
跟客服先生/小姐說我這筆交易的刷卡幣別是錯誤的,
對方刷成台幣但是我是要刷人民幣,
我要將這(幾)筆款項列爭議款,
這時客服小姐跟你說如果最後是你刷的/幣別無誤的話要付NT$100,
若再不服可請國際組織仲裁,但要更貴(貌似是NT$500),
這時我說好喔,請幫我列爭議款,於是客服請我自行扣除這幾筆消費外加手續費,
再用ATM繳款,於是經過漫長的調查後,
這幾天我發現我的未出帳交易紀錄多了幾筆11月初的海外人民幣交易,
才想起來原來調查結束了,跟原本的帳單一比對,每筆交易都少了約4%-5%左右,
十一月初的消費,本來十二月底要繳款,現在變成二月底才要繳款,
你怎能不愛強制DCC?XD
我也處理過美國花旗的DCC爭議款,地點一樣在中國,
線上按一按然後表格填一填傳真過去,完全沒跟人講到話就處理完了,
這個只慢了一個月繳款,比較不推(?)XD
希望大家都能碰到DCC 呵呵
--
Tags:
信用卡
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