How would it work if I were to use a CC with Western Union?

[Anonymous]

If I wanted to send a money transfer and used a CC how would that work? Would it be just like buying something off the net and the payment wil be posted on my card or?

[haulingthescoreup]

I'm thinking a cash advance (which is ugly, expensive, and dangerous), but I will defer to those who have more experience in this area.

[Anonymous]

Are cash advance fees treated different? You say its ugly and dangerous, I'm assumming I simply can't pay that amount before the due date to avoid interest?

[Itsmeagain]

It works just like any other POS transaction.  It is not applied as a cash advance.  The total will include the WU fees and will appear as "Western Union".

[Anonymous]

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@Itsmeagain wrote:
It works just like any other POS transaction.  It is not applied as a cash advance.  The total will include the WU fees and will appear as "Western Union".

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WOW....This surprises me. I would have sworn it would post as cash advance. If true, it would be a huge loophole costing CCCs tons in cash advance charges

[Anonymous]

I was looking at the site and got this

"* Your credit card issuer may charge an additional cash advance fee for this service."

https://wumt.westernunion.com/WUCOMWEB/QCOptionsAction.do?method=load&countryCode=US&languageCode=en&nextSecurePage=Y

So how do I go about finding out if it would work as any other transaction or would be seen as a cash advance? Would I have to call the credit card company (cap 1) ?

[MattH]

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@Anonymous wrote:

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@Itsmeagain wrote:
It works just like any other POS transaction.  It is not applied as a cash advance.  The total will include the WU fees and will appear as "Western Union".

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WOW....This surprises me. I would have sworn it would post as cash advance. If true, it would be a huge loophole costing CCCs tons in cash advance charges

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The one time I sent money to somebody by Western Union it looked like any other purchase on the credit card.  But this is NOT a cheap way to get cash from a credit card, it cost more than a small cash advance would have cost.  I did it because my bank would have charged even more for a wire transfer.

[Anonymous]

What other fees are there besides the $23 for +$200?

[ralbusta]

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@Itsmeagain wrote:
It works just like any other POS transaction.  It is not applied as a cash advance.  The total will include the WU fees and will appear as "Western Union".

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I've done this twice, once it was a cash advance and once it wasn't. Be careful.

[Itsmeagain]

Jeepers! . . . I've used it several times to send money to my daughter for one emergency or another.  Let's see . . . I've used Discover and Chase for sure.  Not sure what (if any), others.  I don't have Cap 1 so I can't speak to their policy.  I susppose a call to Cap 1 would be in order.

Good luck

Message Edited by Itsmeagain on 04-26-2009 09:57 PM