(转载)在美国刷双币卡要注意....

理财金66

         
$ u9 r' ~' k. D8 k5 L) ?% V最近在旧金山一家玩具店(TOYS'R'US)消费49美元,刷VISA双币卡(美元/人民币),POS机显示消费$49,同时显示CN319.用工行的卡刷不过,改用招行卡通过.刷卡后短信提示消费人民币319.但招行记帐显示交易地消费319,记帐51.33美元.
整个过程是:49美元用6.5102的汇率转成人民币319元,然后再用6.2147的汇率转成美元51.33记帐,若要以6.4汇率购汇还款的话,最终要还人民币328.5.
不知招行的VISA美元/人民币双币卡为何要这样折腾,是银行的问题,还是VISA或银联的问题,请教达人给解释一下...
         

ICBC_T.G

8 w2 F6 Y& x9 m" U! C. \  }是否51.33是含税价？ 你工行那张是visa 还是master？

ICBC_jren

/ [) p) f: M7 D: f# R2 E工行卡也是VISA.与消费税没关系.49美元是税后价.
. {4 P6 ^- C9 K0 j上图吧.可能的情况是VISA为了抵制双币卡将美元转成人民币.因此出现这种情况....

ICBC_jren

已经有人回答了.结论是招行卡陷阱太多,慎用!!!!
, Y; m& {+ U8 h" O本帖最后由 ahamard 于 2011-12-15 11:42 编辑
What is dynamic currency conversion?
* i" L: c. q: O0 {- W3 W2 R) |Dynamic Currency Conversion (DCC), also referred to as Cardholder Preferred Currency (CPC), is a service offered by merchants – not Visa - in some countries when you are traveling abroad. If you choose to use the DCC service, the merchant will convert the purchase price of goods or services at the point of sale from the currency in which the price (i.e., the merchant’s local currency) is displayed into another currency (i.e. your home currency) using an exchange rate that typically includes a service fee.
! b) @, u" h, UHere’s an example of a DCC transaction:
A U.S. Visa cardholder is in Singapore and decides to purchase a box of chocolates priced at SGD 20. At checkout, the merchant offers the cardholder the option to pay in USD using a DCC service.
The merchant dynamically converts the SGD transaction amount to USD 15.80. The DCC transaction amount and transaction currency (in USD) are disclosed to the cardholder. An exchange rate of 0.79 (1 SGD = .79 USD), which includes a 2.5% mark up (over a wholesale exchange rate) and the 2.5% comion/fee/mark up are also disclosed to the cardholder.
  X5 k$ `2 y- u2 gThe cardholder actively chooses DCC by checking a box on a printed receipt or pushing a button on an electronic screen and agrees to pay USD 15.80 for the box of chocolates using the exchange rate provided by the merchant that includes a 2.5% fee for the DCC service.
1 j$ ~9 N! Y" F) y# aIf you do not want to use DCC when making a purchase, then you have the right to refuse the offer and have your transaction billed in the merchant’s local currency, which will then use Visa’s conversion rate. If you did not agree to DCC, but see it on your bill, then you should ask your issuing bank to contest the charge.

ICBC_jren

1 j1 Z! k4 Z4 O, z回复 6# grh19
    6楼说的对.当时先刷工行卡没过,又刷招行卡过了.说明招行为了赚钱与骗子都可以合作....

ICBC_mickeymous

5 u: [9 j8 y+ \/ o是商户发贱，不是银行或卡的问题。