If you apply for a multi-currency credit card, the bank will calculate it according to the bank's exchange rate on the day of settlement, and then deduct the foreign currency directly from your card. When you deposit RMB, you can only brush out RMB, and then convert it into the corresponding currency according to the exchange rate of the bank at that time, and then pay. However, RMB deposits are flawed, that is, in some places abroad, POS terminals do not recognize UnionPay cards. Only their cards, such as Dalai Lama and American Express, can be identified, which makes payment inconvenient. Just deposit it directly into RMB. There is no need to change euro deposits.