This could be the dramatic picture if airport computer systems go down, but fear not, it's a picture from a previous Farnborough Air Show. Farnborough Air Show 2018 (35 minutes by rail to London) will be held in July. New permanent exhibition halls and conference centre complex is already open on site, and for hire, by all accounts very busy so get in early! Enquiries to 01252 532800
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http://www.freelancedirectory.org/?name=Julian.Bray.aviation.comment Julian Bray provides: Opinion, comment, forward thinking speculation, keynote presentations and workshops for corporate organisations on Travel, Cruise & Aviation: conflict zones, terrorist impact, cybercrime and DoS issues, drone (UAV) issues, safety (black boxes, emergencies), airline operations, aviation finance, political implications, and all forms of incident risk. He operated at board level with several airline and aviation groups, including Alitalia, British Island Airways, British Airways, Galileo , British Aerospace, Skyways, former CEO City firm Leadenhall Assoc. (PR WEEK TOP 150) Founder CNS City News Service. Director NTN Television News (joint co. with ITV Wales TWW) Debretts People 2017 and featured in launch edition of PRWeek Black Book. Investigative Journalist and Broadcaster. After-dinner speaker and presenter. NUJ LIFE MEMBER & FULL EQUITY MEMBER.
Direct links to a selection of television and radio contributions can be found at foot of this page. Scroll down. Join the conversation here or on Twitter at @aviationcomment @julianbray.
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Sunday, 15 July 2012
Latest Cruise Ship Peril: Dynamic Currency Conversion
Julian Bray writes: When on holiday, the last thing you want to do is worry about currency exchange rates So the helpful shopkeeper, hotel, car hire, kindly offers you the easy option to pay in pounds (ie Sterling) on your credit card! Nothing wrong with that and the amount you pay is clearly recorded on your statement……however after the pleasure, comes the pain, and could cost you hundreds of extra unexpected pounds on your trip.
Caxton FX, the money exchange people suggest in a recent survey that 40% of people would choose to pay in pounds if they were given the chance. They may also select this option if they were choosing to withdraw cash from an ATM while they were away.
By doing this they unwittingly expose themselves to something known as dynamic currency conversion (DCC). This racks up the charges in two different ways. First, the retailer you are paying will set their own exchange rate, so they may well be greedy and costs you far more than you expect. Adding insult to injury, your card company will then load a further charge of an extra 4% on top of the amount you are paying.
James Hickman, Managing Director of Caxton FX said: "The number of people getting caught out by DCC has actually increased in the past year and a lack of understanding about the risk of associated charges seems to be at the heart of this. An extra 4% charge on every transaction could add up to some serious cash over the course of a two week holiday and some rather surprising bank statements upon return to the UK. However, DCC is a perfectly legal charge so it's up to the individual to make sure they are not being caught out by this."
Part of the problem, revealed by the survey, was that 15% of people are not confident with on-the-spot currency conversion (including one in five female holidaymakers). It also appears that the younger the individual, the less confident they are about mental arithmetic, with a fifth of 18-24-year-olds admitting to not being confident.
The answer is to keep the receipt you were given when you changed your sterling into foreign currency as it usually contains a handy conversion chart for various amounts. Any large M&S in the UK has a competitive Bureau de Change. One of the biggest culprits is the on board accounting system operated on cruise ships and in some hotels, they bill and charge your account weekly, charges racked up using a ‘sea pass’ swipe card. When signing up for the account during the check-in process, in the shore based terminal before boarding, just ensure that DCC Dynamic Currency Conversion is NOT being applied, and that you are being charged for your on-board or hotel bar spend in US $, rather than the conversion rate back into Sterling.
You might also like to bear in mind that your credit card may be automatically blocked if the Cruise ships Miami USA base, is collecting the weekly on-board account, the same day you dock in say Florence, and use your credit card for shore purchases. Simply the computer does not think you can be in both Europe and the USA at the same time and will swallow up your card at the next European ATM. Just let the bank know by telephone in advance the destinations you will be visiting and the days you’ll physically be there!
Contributor: Media, Cruise Line , Aviation, Politics & Travel Expert, Broadcaster & Journalist Julian Bray NUJ, EQUITY UK Landline: 01733 345581 Mobile: 07944 217476 ISDN2 downline +44(0)1733 555 319 (UK HOME ISDN 017 33 55 53 19) G722/APT-X Dual Codecs Glensound C5 SKYPE: JULIAN.BRAY.UK
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