You need currency conversion when you brush euros and repay in RMB. At this time, both VISA and MASTER will charge a currency conversion fee, that is, the relative exchange rate is relatively high, while UnionPay does not charge this fee when converting.

But if you brush the euro and repay the loan in euros, there will be no such problem, because there is no need for currency conversion.

As for the handling fee earned by Visa/Master when consumers spend money, this is what they negotiated with the store. For example, for a commodity with a price tag of 100 yuan, we paid 100 yuan to the store, and the store may sign an agreement with the credit card company to let the credit card company commission 2%, so the store needs to pay 2 yuan to the credit card company.

This charge has nothing to do with consumers, but is purely a matter between the store and the credit card company. However, because the store needs to ask the credit card company to charge a few percent commission, the price may increase accordingly. But for industries with high profits, this commission can be ignored, so it will not affect the price.

Supplement:

First, you change RMB into euros. This exchange rate is calculated according to the exchange rate of the exchange bank on the exchange date. The exchange rates of different banks will be slightly different.

The exchange rate on the credit card settlement bill is the exchange rate on the consumption day, which has nothing to do with the exchange rate on the repayment day.

Which method is cheaper? Because the exchange rate changes, there is no guarantee that the operating cost will be lower. Personally, if you already hold euros, you can repay them directly in euros. If you don't hold the euro, you can also exchange RMB for the euro for repayment in case of uncertainty. What takes time and effort to find is not necessarily cheap.