True, if I have to pay in a foreign currency I let Paypal charge my cc in that currency, so that the cc company converts my currency instead of Paypal. I don't

True, if I have to pay in a foreign currency I let Paypal charge my cc in that currency, so that the cc company converts my currency instead of Paypal. I don't recall the difference, but I believe the cc company gave me more than an order of magninude tighter spread on the conversion, perhaps even two.