This discussion reminds me of a problem we had in Jamaica two years ago. There was a little grocery store across the street from our hotel in Negril, and we shopped there quite a bit during our stay. A couple of days into the trip, I asked to pay in Jamaican dollars when buying a few things since I was using a credit card. The total should have been 3,800 Jamaican dollars, or about $25 US. Somehow, the cashier mistakenly charged me 3,800 USD instead. I didn't even notice until I came back into the store the next day. The owner had been trying to track me down to refund the money, and my credit card company apparently didn't have any issue with that amount being charged in a foreign country at a grocery store. Everything worked out OK, but it's something to double check when dealing with these types of transactions.