Comment by xp84

The funny thing is that, at least for American consumers, there’s a good chance you’ll get mildly scammed by using your card in a foreign currency due to a 3%—4% junk fee that is common (I’d estimate 80% of non-premium cards have it). So the discovery of the “let us, the merchant, convert for you” scam has allowed merchants/payment networks to in some cases “steal” the scam from the card issuer (the card issuer then won’t take a fee if it’s in USD, but someone takes a fat margin on the currency). They’re all scumbags, all looking for ways to grift.