Unpredictable foreign transaction fees eating into international purchase costs

People making purchases abroad or buying from foreign merchants struggle to understand when and how much they'll be charged in hidden foreign transaction fees, making it impossible to accurately budget or compare card options. Bank of America and other issuers apply these fees inconsistently based on complex rules (currency conversion location, merchant processing country, etc.), leaving customers confused and overcharged. Current solutions require manual research through dense terms or calling customer service.