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About 25 won per dollar on US cash. That is 75,000 won on $3,000, or 7,500 with a preferential rate. The rate printed large at the top of the app already had the fee in it.

We set Korea's provisions beside the CFPB's 30 minutes, 180 days and 90 days. Korea's cancellation runs “until the payment takes effect” — an event, not a clock.

The wording reads “foreign currency, or outside the country, or with a foreign merchant.” Switching currency leaves nowhere to escape to.