Nearly 45% of consumers believe that credit cards offer the best exchange rate when making purchases in another country. Three out of ten consumers disagree, and one fourth of consumers simply don’t know. The results come from an informal online poll conducted by CardWeb.com earlier this month of 1,000 consumers. Last month, a California Superior Court judge ordered VISA and MasterCard to refund more than $800 million in foreign currency conversion fees to cardholders. The court also ordered the card associations to amend their operating rules to require their issuing members to make effective disclosure of the currency conversion fees charged to consumers. VISA and MasterCard have since appealed the decision.