recurring purchase absurdity

I sent so fiat to Binance from my financial institution to start out a recurring purchase campaign.

Went on recurring buy, after I set the crypto of selection, the day and time I found that to finalize the choice I have to pay with credit card, it doesn't let me use my Euros already on the platform.

Went to throught the horrible buyer care help and has a chat with an operator who confirmed me the above.

Why the hell shouldn't be attainable to make use of my deposited cash, as I'm doing with other exchanges?

I assume that if I exploit my bank card I'm subjected to expensive charge which otherwise I might not have with the financial institution switch....have you learnt what's the credit card charge on Binance?