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

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

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.

EX (Fico 8): 741 TU (Vantage 3): 722 EQ (Vantage 3): 702
Amex Platinum; Amex Gold; Amex Green; Amex Hilton Aspire $11,500; Citi AA MileUp $7,700; Amex Everyday $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; Amex Delta Business Gold $10,000; Bank of America Alaska Airlines card $3,200; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: Dec. 2019
Store cards: Amazon (Synchrony) $1,000; Adorama (Comenity) $1,250
Goals: EX 760 by mid-2020
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Chase Ink Cash; Chase World of Hyatt; Schwab Plat; Barclay Aviator Red; Citi Prestige
Message 1 of 12
11 REPLIES 11
Community Leader
Super Contributor

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

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.

Message 2 of 12
New Contributor

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

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!


@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.


 

EX (Fico 8): 741 TU (Vantage 3): 722 EQ (Vantage 3): 702
Amex Platinum; Amex Gold; Amex Green; Amex Hilton Aspire $11,500; Citi AA MileUp $7,700; Amex Everyday $5,000; Chase Ink Unlimited $8,000; Chase Marriott Rewards Premier Plus Business $5,000; Chase IHG Premier $5,000; Amex Delta Platinum $5,000; Amex Delta Business Gold $10,000; Bank of America Alaska Airlines card $3,200; CapOne Quicksilver One $500
Oldest account: March 2018; Youngest account: Dec. 2019
Store cards: Amazon (Synchrony) $1,000; Adorama (Comenity) $1,250
Goals: EX 760 by mid-2020
Wanted cards: Chase Sapphire Reserve; Chase Ink Preferred; Chase Ink Cash; Chase World of Hyatt; Schwab Plat; Barclay Aviator Red; Citi Prestige
Message 3 of 12
Community Leader
Super Contributor

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

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

 

Message 4 of 12
Valued Contributor

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

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.

Amex PRG (NPSL), Amex Blue Cash ($24K), Amex Simply Cash+ ($4K), Discover ($22.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($7.8K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 5 of 12
Valued Contributor

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

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




Total Revolving Limits $229,300

FICO 8 scores 04/2019
EX-778
TU-714
EQ-716
Message 6 of 12
Moderator Emeritus

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

@simplynoir ... why poke the bear? If Chase did not charge the FTF let it lay! No sense alerting them.
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Message 7 of 12
Community Leader
Super Contributor

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


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

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.

Message 8 of 12
Mega Contributor

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


@simplynoir wrote:

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

 


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

Message 9 of 12
Community Leader
Super Contributor

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


@longtimelurker wrote:

@simplynoir wrote:

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

 


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


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

Message 10 of 12
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