I had heard that Capitol One VISA does not charge an extra fee for charging in foreign currency, however, when I applied for their card online, there was no disclosure addressing foreign transactions. I got the card last week, and with it came a disclosure saying that they can charge foreign exchange fees as disclosed in TILA. I called Capitol One twice to ask for something in writing. Once, they said they charge no fee, but had no paperwork to send me stating this. The second time I called, they said they charged 1%, and had no paperwork or written disclosure that addressed this, but that they could send me a letter stating this. This sounds screwy beyond belief. Anyone from Capitol One like to explain this? Has anyone recently kept track of exchange rates and purchases to tell if Capitol One VISA is truly charging fees? With other cards, I hear that the fees just get added into the converted amount, so most folks aren't even aware that they are even getting charged a fee. Comments?