And I thing the misunderstanding here is that Europeans don't really use credit cards: we use the term "credit card" when we should use "debit card", but that's language for you. Literally, you have to go out of your way to get an actual credit card instead of the ubiquitous debit card everybody has.

And in Europe, when people hear Mastercard or Visa, they just associate the name with refused payments at points of sale depending on the luck they had with the merchant, or the foreign country, etc.

I do agree that in this case, picking MC/VISA is not really important. When I changed banks a few years ago, it so happened that I switched from a Visa to a Mastercard. Nothing changed save for the logo on the card.