Well, actually, I am not in Germany today. But my credit card bank thinks I am.
(Wasn't sure where to place this, but bear with me and you will see why I put this here.)
I have a few different credit cards and swap them out every so often so that none get cancelled for lack of use. I just swapped last week. Yesterday, I purchased online several software updates for my and my family's computers from a company based in Germany. All went well. This morning I tried to use the card and it was denied with a "Call Issuer" error. So when I got back to the house, I called them. It did not go as expected.
"Why are you in Germany today?!?!?!" was the first thing the customer service rep said to me after I was properly identified. "You are American, you should not be there!" I said "Excuse me?" First of all, why I might be in Germany is none of your damn business, you don't know anything about me other than I tried to use my credit card and it was refused. And you are not my mother so you cannot question where I am going. "The transaction was denied as fraud because you are in Germany because of several transactions you did yesterday and your card was just used in Colorado." Actually, I have not been to Germany this year and I am in Colorado. I immediately asked for a supervisor and was told there are none on Sunday. Hard to believe. So I hung up and called back. Got a much more agreeable rep, but still asked for a supervisor and was immediately connected to -- the first person I called! I will try again tomorrow.
How I decided this is where to put this posting: The company in Germany uses Pay Pal for payments from the US. I don't have Pay Pal (never saw the need for it) so used the credit card in question to pay. Each of the transactions was around €25.50 after VAT was removed. Pay Pal generously offered to convert this for me and charge me only $35.99 for each transaction. Seemed a bit high. Looking on Google, at that time the current converted amount showed as $30.25 which is a significant saving. The credit card has no foreign fees so I just requested to be billed in Euro. After several questions from Pay Pal, including a statement about how much credit cards "always" charge for the conversion, they went ahead and billed my card in Euro (verified by checking my online credit card statement).
Seems like a Dynamic Currency Conversion attempt by Pay Pal. So, when paying for things in foreign currency, always demand the local currency for the place you are buying from is used even with Pay Pal.
Oh, and I think I will be cancelling this card when I talk with a real supervisor tomorrow. I really didn't like the questioning by the rep that was none of their business to ask.