Credit Card fees - am I being unreasonable?



ORIGINAL POST
Posted by Febs 11 mths ago
I'm having an issue with my Standard Chartered AsiaMiles CC at the moment, and I'm wondering if I'm being unreasonable?

I've had a few HKD-denominated transactions recently which were from AirBnB, who apparently are considered an international vendor and therefore subject to a 1% service fee (even though they charge in HKD so there's no fx). OK, fine, that's probably in the T&Cs somewhere..

I've had those transactions refunded recently, and SC have charged ANOTHER 1% on the refund.

So for example:
 
- I'm charged $1,000HKD, SC charge me $1,010
- The merchant refunds my $1,000HKD, but SC only give me back $990.
- Effectively they take $20 for nothing ("Mastercard fees").

I'm sure this is their policy and in the T&Cs...but does that sound right? In my view, fine, charge the 1% on the original tx, but when that tx is refunded (effectively reversed), then refund the full amount. You can't charge 2% for doing nothing.

(FX transactions I can understand, but these are HKD transactions)

I don't think I've ever had this in 6 years of using AMEX or Citibank cards in HK, but am I being unreasonable?

Thanks in advance.

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