When does foreign transaction fee post for Chase cards that have it?

[ratchada]

Up until now, all of my Chase cards haven't had foreign transaction fees. However, I recently opened a CIU, which does, and to meet MSR, I made a reservation online with Hong Kong Airlines. I'm assuming I will be hit with a 3% foreign transaction fee for this (I'm in the US), but so far, even though the transaction is no longer pending and has posted (close to a week now), I see no charge. Are they going to wait to slap it on until the statement posts? Thanks.

[simplynoir]

I checked this with an online charge I mistakenly thought wasn't international but was. I was charged the forex fee the day after the charge posted back in August '18 on a Freedom Unlimited card. If it hasn't shown up yet perhaps it never will? I would contact customer service to be sure but that would be my guess.

[ratchada]

Thanks...of course, that's my secret hope, that it won't be applied...but doubtful since HK Airlines is completely based outside the US. I'll report back on July 1 when the statement posts!

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@simplynoir wrote:

I checked this with an online charge I mistakenly thought wasn't international but was. I was charged the forex fee the day after the charge posted back in August '18 on a Freedom Unlimited card. If it hasn't shown up yet perhaps it never will? I would contact customer service to be sure but that would be my guess.

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[simplynoir]

Charge in question when the charge posted and the next day forex fee.

[ChargedUp]

My son wanted to buy a video game online, and we bought it on CFU. Little did I know the game was from the UK and I got a foreign transaction fee the day after the charge posted, just like @Simplynoir shows.

[Shadowfactor]

Lots of big companies especially foreign airlines have US based merchant accounts, so you may get lucky.

[Anonymous]

@simplynoir ... why poke the bear? If Chase did not charge the FTF let it lay! No sense alerting them.

[simplynoir]

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@Anonymous wrote:
@simplynoir... why poke the bear? If Chase did not charge the FTF let it lay! No sense alerting them.

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Because I wanted to give the OP options. I already said and showed if the FTF hadn't already posted along with the charge that I think they're in the clear and I don't know if they need to calculate the possible fee into their budget.

[longtimelurker]

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@simplynoir wrote:

Charge in question when the charge posted and the next day forex fee.

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Wow, an expensive mistake not to realize there would be a FTF!

[simplynoir]

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@longtimelurker wrote:

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@simplynoir wrote:

Charge in question when the charge posted and the next day forex fee.

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Wow, an expensive mistake not to realize there would be a FTF!

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It set me back not gonna lie. Needed to take out a loan to cover my costs.