Which Card(s) to use when using money transfer services like Western Union, Xoom, etc.

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Which Card(s) to use when using money transfer services like Western Union, Xoom, etc.

by Moon New Member July 15, 2016, 10:38 pm

Which Card(s) to use when using money transfer services like Western Union, Xoom, etc.

Moon New Member
July 15, 2016, 10:38 pm

Hello all 🙂

After being inspired by so many of you (especially you, Ben!), its now getting hard for me not to think about possible point earn-outs when spending any money!!

So, I am in a situation where I need to send money to someone in India on a monthly basis. There are quite a few services I can use for this. And many of such services allow use of Credit Cards.

What do you think would be an effective strategy here to get maximum return from using such services?

Thanks,
Moon
MidSouthSkier Community Ambassador
July 15, 2016, 11:40 pm

Welcome [USER=2124]@Moon[/USER]

First thing you want to be sure of is that the charge is not coded as a cash advance on a credit card. Not only would you not earn points/miles for that, you’d end up paying interest!

I did not think WU would allow use of a credit card, though I know it will allow a debit card.

For info on some of the other techniques, I recommend checking out the forum area of the Travel Codex blog as it focuses on manufactured spending techniques.
Moon New Member
July 16, 2016, 12:17 am

Yes WU doesn’t allow Credit Card. Xoom does. I am not sure wether it will be coded as a cash advance or not. But I certainly have about it.

So I guess I’ll just have to do a wire transfer from my bank.
Gaurav Community Ambassador
July 16, 2016, 11:29 am

How much does xoom charge for a cc funded transfer as opposed to a debit card?
Moon New Member
July 16, 2016, 1:53 pm

[QUOTE=”Gaurav, post: 18932, member: 79″]How much does xoom charge for a cc funded transfer as opposed to a debit card?[/QUOTE]

Charge is the same regardless of Credit Card or Debit Card.

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Which Card(s) to use when using money transfer services like Western Union, Xoom, etc.