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recent trip: 2 questions / turkish visa / ATM withdrawals

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Just returned from Istanbul and Naxos trip - encountered 2 issues I was not prepared for - have I missed these issues on the board?

I thought I could get the Turkish entry visa either at the IST airport OR online ahead of time (I live in the US). It was easy to do online so I did. When I went to the Atlanta airport to check in for my flights, I was asked for the Turkish visa at the ATL check in counter. I was relieved to have gotten it ahead of time and wondered if there would have been a problem if I had not done so. Comments?

OK so I've read about hotels / restaurants and the DCC (currency conversion) and understand it is not in my best interest. Now at the ATM's I went to, there seemed to be the same sort of option. I had not seen this before at ATM's and was a bit befuddled at the best choice. In the end, I picked the option that seemed to say "conversion rate not guaranteed", to be determined later? Comments?

Also fees, fees, fees but it seemed that in Greece there were particularly heavy fees, a set fee and then maybe a percentage of withdrawn amount, much higher than Turkey. Is this something Greece is doing to help their struggling economy???

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