Is Western Union considered a cash advance?

Anonymous · ‎05-20-2017

I am trying to send money to family overseas and was wondering if paying with a Capital One card would charge me a fee for a cash advance or if Western Union would look like a regular transaction?

CreditInspired · ‎05-20-2017

@Anonymous wrote:
I am trying to send money to family overseas and was wondering if paying with a Capital One card would charge me a fee for a cash advance or if Western Union would look like a regular transaction?

I would think it would be treated as a cash advance but I did find this link about the pros/cons of doing so -

https://www.thecurrencyshop.com.au/blog/sending-money-overseas-using-a-credit-card

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K

Anonymous · ‎05-21-2017

Yes. It is considered cash advance. I sent money overseas one time when I first got my Citi AAdvantage WEMC. When the statement came, the transaction was posted by Citi as cash advance.

MrsCHX · ‎05-22-2017

+1 for Yes. I had no idea before I did it.

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500

joltdude · ‎05-22-2017

Yes.. know it may sound a bit snarky.. but any time you send money with a CC money and its not for goods or services its almost always its a CA.. and you get socked for it generally ... (There are some CU cards that you can kinda do a CA without paying royally for it)....