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Western Union sucks!
Old 01-31-2013, 07:29 PM   #1
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Western Union sucks!

Take a look at its website - Money Transfer | Western Union

I was very happy to see that my transfer fee was just $10, till I saw "cash advance" fee $25.50 on my credit card statement!

Sure enough, they have a fine print on the SECOND page after you click for more details "Your credit card issuer may charge an additional cash advance fee for this service".

Be aware!

Insanity: doing the same thing over and over again and expecting different results.
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Old 01-31-2013, 07:37 PM   #2
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Western Union took your $10. Your CC company took your $25.50. Kinda sucks it was a cash advance and not a purchase. It wasn't WU's fault exactly, though a better warning would have been nice.

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Old 01-31-2013, 08:28 PM   #3
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Originally Posted by Animorph View Post
It wasn't WU's fault exactly, though a better warning would have been nice.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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Old 01-31-2013, 09:32 PM   #4
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For these services with respect to credit cards, I thought cash advance on the credit card only applied if you were sending money to yourself. Were you sending money to yourself or to someone else?
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Old 02-01-2013, 03:08 PM   #5
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If you can't beat 'em, join 'em. I have a small amount invested in Western Union stock. Pays a nice dividend.
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Old 02-02-2013, 07:15 AM   #6
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For sending money to other people, you should not get a cash advance charge. It is true that your credit card company "can" charge you for this, like they can charge you for almost anything. But it is not normal. I am just familiar with this because I know others sending money to the Philippines this way. It is when sending money to yourself that it is generally considered a cash advance.
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Old 02-02-2013, 02:25 PM   #7
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No experience with WU. Just in general, it seems that "fees" are the wave of the future for just about everyone and everything. It used to be businesses made their money by having a good reputation and getting repeat service at a "fair price". Now, they complete on the lowest "entry price" they can manage and then stack on fees. Company loyalty be d@mned.

As a relatively libertarian type, I don't have a big problem with the concept of fees (pay for what you use - decide what you don't want to pay for). The problem is that most fees bear no resemblance to what it would actually cost a company to provide the service. And too many fees are "buried" in the fine print. Yes, you could find them, but it could take 45 minutes to read one of the little "blurbs" I get every 3 months from my CC companies. They change something every time, too. They add fee, change fees, etc. Yes, it's there for the reading, but instead, I just try not to do anything that even whiffs of incurring a fee. If I stumble across a new one (and get charged) I always make sure the CC (or bank, etc. etc.) knows I don't like it. I also cost them more money in their time than they make on the fee. I also check around for an alternative way to do business.

Unfortunately, eventually, all the companies (think airlines - minus South West, I believe) jump on the fee bandwagon. So, there IS no alternative, for instance, if you MUST check a bag. I've shifted to carry on as much as possible, but apparently some airlines are now charging fees for that.

Once again, I think its "okay" for businesses to do this sort of thing. Apparently it is working for them. But, they could save bunch of advertising dough trying to get "loyalty" because there no longer is any loyalty. I don't know which came first, fees or lack of loyalty. In any case, I now hate ALL airlines and ALL credit card companies (and all banks, too, etc. etc. etc). Now, it's everyone for himself. Not as much fun as it used to be when you could "trust" someone to give you good service for a "decent" price. Now, everything is "price" driven and the companies respond by making their money on fees. Don't know who is to blame, but the effect is a total lack of loyalty to brand (in my opinion of course, since YMMV).
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Old 02-02-2013, 04:34 PM   #8
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Ahh. Penfed. Costco. InN'Out Burger. additions to this list?

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