Not sure if anyone can help me understand this but I've been keeping an eye on the USD/CAD exchange rates as we are going to be making our final cruise pymt in a few weeks. Right now the $ runs in our favor which is awesome. Here is what I don't get. Every time I make a pymt, I call Carnival to do so. Before I call, I always work out the exchange rate but the amount charged to my Credit Card is always higher. I know the rate fluctuates daily but there shouldn't be any difference when I am calling within 5mins of checking the rate, correct?
For example, our last pymt made we wanted to put down $1000 CAD, online calculator said it would be $1370 USD but the actual amount charged was $1407 USD & there was maybe 10mins from when I did it online to when it was showing on my CC. Obv it isn't a huge diff but I was just curious why there is any diff at all.