I used my credit card for a purchase in Europe, and the exchange rate applied by my bank seems much worse than the current market rate. I feel like I was overcharged.
Descrição do Problema
Perguntas Frequentes
Perguntas comuns relacionadas a este problema e suas soluções.
What is your destination country and the planned travel dates?
Did you have a confirmed reservation and a boarding pass for the flight?
When did you last check the travel blog for updates regarding Wi-Fi and taxi availability?
When and where exactly at the airport did you last recall having your passport?
Have you spoken to the hotel management about the noise issue and your dissatisfaction?
What were the originally intended travel dates and what dates were the flights actually booked for?
What specific activities were advertised as optional but felt essential?
Did you have any backup methods for your boarding pass, such as a screenshot or a printed copy?
What airline was this flight with?
What is the exact cancellation policy for your booking (e.g., strict, moderate, flexible)?
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Causas Identificadas
Bank's Exchange Rate Markup
90%Credit card companies often use their own internal exchange rates, which may include a markup or spread above the wholesale market rate to account for their costs and profit.
Timing Difference in Exchange Rates
70%The market exchange rate you are comparing against might be from a different day or time than when your bank processed the transaction, leading to a perceived discrepancy.
Foreign Transaction Fees
60%In addition to the exchange rate, your credit card may have charged a separate foreign transaction fee, which can add to the total cost and make the effective rate seem worse.
Dynamic Currency Conversion (DCC)
50%If you were offered the option to pay in your home currency at the point of sale, the merchant's system may have applied a less favorable exchange rate than your bank would have.
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