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In a similar vein, some of the best apps are made by non-US developers, but neither of my [American] credit cards works buying apps in non-USD.

(Not sure if Apple has the same limitation, or whether they "solve" that problem by only showing American apps, but I never ran into it there.)

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Thats a limitation with your credit cards. Mine can bill in any currency required (obviously, followed by a currency conversion fee, and the conversion itself being completed at rates seemingly VERY favorable to the bank/cc company).

Actually the exchange rates are quite good.

But many (not all!) banks will charge a fee (1- 3%) on top of that.

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