international charges

[Skye12329]

So recently i had a customer from over seas and they swiped their card (Visa) and it gave him 2 options. 1. For US. currency charge or 2. His currency (Dont remember what country) charge. 

IF i travel abroad and swipe any of my cards will it give me those options too or not since they are CC's. Im not sure if his was debit or credit. 

[mongstradamus]

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@Skye12329 wrote:

So recently i had a customer from over seas and they swiped their card (Visa) and it gave him 2 options. 1. For US. currency charge or 2. His currency (Dont remember what country) charge. 

IF i travel abroad and swipe any of my cards will it give me those options too or not since they are CC's. Im not sure if his was debit or credit. 

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On my most recent trip to thailand when i used my csp , the shop owner asked if i wanted it in baht or usd. I don't know if thats the case for every store or restaurant tho. 

[Skye12329]

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@mongstradamus wrote:

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@Skye12329 wrote:

So recently i had a customer from over seas and they swiped their card (Visa) and it gave him 2 options. 1. For US. currency charge or 2. His currency (Dont remember what country) charge. 

IF i travel abroad and swipe any of my cards will it give me those options too or not since they are CC's. Im not sure if his was debit or credit. 

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On my most recent trip to thailand when i used my csp , the shop owner asked if i wanted it in baht or usd. I don't know if thats the case for every store or restaurant tho. 

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Alright, what would you select? Would it be baht since thats their currency? I guess if you travel the exchange rate would be helpful. 

[mongstradamus]

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@Skye12329 wrote:

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@mongstradamus wrote:

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@Skye12329 wrote:

So recently i had a customer from over seas and they swiped their card (Visa) and it gave him 2 options. 1. For US. currency charge or 2. His currency (Dont remember what country) charge. 

IF i travel abroad and swipe any of my cards will it give me those options too or not since they are CC's. Im not sure if his was debit or credit. 

---

On my most recent trip to thailand when i used my csp , the shop owner asked if i wanted it in baht or usd. I don't know if thats the case for every store or restaurant tho. 

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Alright, what would you select? Would it be baht since thats their currency? I guess if you travel the exchange rate would be helpful. 

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yes i think i chose baht because you pay an lot more going from baht to usd then other way around i think. If i recall you pay 37 baht to convert to one usd. 

[longtimelurker]

Beware!  THis is called Dynamic Currency Conversion and is a real rip off (as the exchange rates are bad and you are still liable for FTF if applicable to the card).  ALWAYS get charged in local currency and you get a reasonable exchange rate.

See big thread: http://www.flyertalk.com/forum/credit-card-programs/1542983-dynamic-currency-conversion-dcc-master-t...

or Wiki: http://en.wikipedia.org/wiki/Dynamic_currency_conversion   which has examples

From the FT thread:

While sold as a convenience to cardholders traveling outside of their home country, it is a pure profit play by the merchants. You may end up paying a fee of up to 8% over the purchase price for accepting DCC. Always decline DCC and asked to be billed in the local currency!

[Anonymous]

don't think I ever had that option when I was using discover in fuerteventura. they just charged in euro.

[longtimelurker]

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@Anonymous wrote:

don't think I ever had that option when I was using discover in fuerteventura. they just charged in euro.

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It is Visa and MC.  This is also cited as an advantage of Amex, they don't support it so you can't get caught out!

[mongstradamus]

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@longtimelurker wrote:

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@Anonymous wrote:

don't think I ever had that option when I was using discover in fuerteventura. they just charged in euro.

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It is Visa and MC.  This is also cited as an advantage of Amex, they don't support it so you can't get caught out!

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problem with amex is they only have two cards with no FTF!!!

[Skye12329]

So i guess my next question is when travelling should i use CSP or Discover? Im not travelling anytime soon btw just wondering. 

[mongstradamus]

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@Skye12329 wrote:

So i guess my next question is when travelling should i use CSP or Discover? Im not travelling anytime soon btw just wondering. 

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Well i would bring both , but discover acceptance rate is quite low , at least it was in thailand , i don't think i saw anywhere that took it. The acceptance order in thailand was mc, visa, amex, discover. So long story short probably you can use CSP almost anywhere.