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And the worst is excepting the ‘Would you like me to charge you on your credit card in your local currency’ – This is a very expensive convenience and to be avoided. Basically the shop chooses the rate. In a restaurant in Switzerland recently a conversion of 1 CHF =£1 was attempted when the real rate is CHF 1.8 = £1. I even hard an argument on a Sea France ferry when in French I said, “This is a Euro account, I want to be billed in Euros”, so keen was the waiter to charge me in £.