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Thanks everyone for their responses and in retrospect accepting DCC may well have been my error/downfall on may 16. On the same day using Capital One credit card, a vodphone purchase to final conversions were 1.089. See attached
This seems to be pervasive. See attached receipt. Mutibanco paid in DCC and added 13% charge to their "conversion" rate to convert 1.23 $ per Euro (Schwab card was used).
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