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SeaPass Currency Conversion Rate


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Hi there, was wondering if anyone knows what RCCL charges to convert the Seapass amount to my currency on my credit card?

 

On my Set Sail pass, it gives the option that RCCL can convert it to CDN for a fee and then they will put the CDN amount on my credit card. I just called my credit card company and they say they charge the rate of exchange at the day it's posted plus 2.5% more on the amount charged....Just wondering which way I should go!

 

Thanks for any advice! :)

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