Can You Use A Credit Card For Western Union

My Experience Using Western Union with Credit Cards, Debit Cards & Pre-Paid Debit Cards

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A few weeks ago, Gary Leff from View from the Wing, sent me a link to an offering by Western Union which waived the money transfer fee for transfers direct to a banking concern account.

Using Western Union with Cards — Using Western Union with Debit & Credit Cards

Unfortunately, the waived fees for deposits straight to a depository financial institution account is now over, though the landing page still gives the impression that fees will be waived. Next time, possibly I shouldn't expect for the results of the experiment to come in before posting!

Hopefully this will be helpful for the side by side fourth dimension Western Spousal relationship waives fees for transfers to a banking concern account.

I experimented with Western Union with credit cards, debit cards, and with pre-paid debit cards.

I was charged cash advance fees and interest for using a credit carte, earned no miles for using the Alaska Air and Delta debit cards. The only success was being able to use Western Union to transfer money from pre-paid debit cards (Wells Fargo etc.) to Emily'southward bank account!

The Western Marriage website was annoyingly slow and quirky (don't press the "back" push button on your browser). My transactions were sometimes declined on-line, and at other times I had to call Western Union and have a rep call me back to verify my identity before the transaction processed.

Sometimes the telephone representative couldn't process the transaction fifty-fifty later on calling back to verify my identity, but the transaction was candy when I resubmitted it the adjacent 24-hour interval!

Western Spousal relationship & Credit Cards – Neglect

I was fairly sure that I would exist charged a cash advance fee for using Western Wedlock to transfer coin to Emily's bank account using a credit card. Cash Advances also earn no miles or points.

A cash advance is when you utilize your credit carte du jour to get cash. Cash advances are charged a higher level of interest than regular purchases and there is no grace period to avert the interest. The involvement starts accumulating the day yous make the cash accelerate and normally compounds at a daily charge per unit.

To exist clear – cash advances are NEVER worth paying for – and certainly NOT worth paying for miles and points.

ane. Hunt Sapphire Preferred. I transferred $xx using my Hunt Sapphire Preferred to Emily's bank account. Unfortunately, the transaction was coded every bit a greenbacks advance and then I paid interest and earned no points.

Using Western Union with Chase Sapphire Preferred — Cash Advance Accuse for Using Chase Sapphire Preferred

two. Citi Thank You Preferred. I transferred $ten using my Citi Thank You Preferred to Emily'southward bank business relationship. Unfortunately, the transaction was coded as a cash advance then I paid involvement and earned no points.

Using Western Union with Citi Thank You Preferred — Cash Advance Charge for Using Citi Thank you

Western Union & Debit Cards – neglect

I actually expected this to work, only I didn't earn whatever miles for using a miles-earning debit bill of fare to transfer coin via Western Union to Emily'southward business relationship.

1. Alaska Air & Delta Debit Card. I transferred $ten using my Alaska Air and Delta debit card to Emily'southward bank account.

Unfortunately, I didn't earn any Delta or Alaska Air miles for using their debit card with Alaska Air. These transactions posted to my business relationship but a few days before my argument closed, so they *may* testify up in next month's argument.

But I suspect that Western Union is well known as a way to send money, so the banks could have systems in place to not award miles or points for Western Union transactions.

Western Matrimony & Pre-Paid Debit Cards – success

Success! Finally!

i. Wells Fargo Prepaid Debit Bill of fare. I was able to transfer $ten to Emily's depository financial institution account using my Wells Fargo Prepaid Debit Menu.

This is skilful news, because it is another way – later ATM withdrawals, cash back when shopping, and ownership coin orders – to remove cash from a pre-paid debit card.

I'll write more on pre-paid debit cards soon, just some folks purchase pre-paid debit cards with a miles earning credit menu (to either come across the minimum spending or to earn miles and points) and so remove money from the debit bill of fare using ATMs, cash-back or with money orders.

I'm non a big fan of using pre-paid debit cards regularly but to earn miles and points, unless you take a legitimate reason to load a pre-paid debit carte du jour and the remove cash from it.

But I would use pre-paid cards as a way to meet minimum spending requirements on credit cards. But counterbalance the gamble for yourself – in the worst case you lot could exist banned from doing business with sure banks if you abused this method.

If y'all do buy a pre-paid debit card with a credit card, be certain that you're not charged cash advance fees for this. Citi usually charges cash advance fees.

Western Spousal relationship Transaction Limits

Western Union has certain transaction limits, which vary based on your profile and usage. Merely I didn't test to encounter whether information technology was possible to go over the limit.

For the "Three Days" service which I used, I had a limit of $2,500 per transaction.

Bottom Line

Yous shouldn't apply Western Union to transfer money with a credit card because you lot volition pay the astronomical cash advance involvement rate and will earn no points.

Y'all don't earn any miles when you apply a regular debit card with Western Union.

Merely information technology could be worth information technology to utilise Western Marriage to transfer money from a pre-paid debit card, the next time Western Union waives fees for transfers to bank accounts.

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