Should I Use Dcc?

When you make a transaction and accept DCC, the exchange rate used is the current market rate (plus a markup for the vendor and/or service provider). ... If the DCC exchange rate (including markup) is better than the exchange rate when the transaction is processed, you could save money. You have transparency in real time.

How can you avoid DCC charges?

DCC charge is applicable when you opt for Home Currency (i.e. USD) instead of Local Currency for an international transaction. Avoid DCC charge by selecting local currency/without currency conversion.

Is it better to accept with or without conversion?

If you travel to a foreign country with another currency the cash machine will to ask if you want to withdrawal with currency conversion or without currency conversion. Here you should always use the without conversion option. Without conversion means, that your local bank will exchange the money.