Xoom.com processes a cellphone recharge as a cash advance, (instead of a service purchase), creating a cash advance charge with the credit card used for the transaction. Before trying the service for the first time, I phoned Xoom.com customer service department to confirm the transaction will NOT be processed as a cash advance and I was assured it will not. However, that was not the case and my credit card charged me $10.00 since Xoom.com processed the transaction as a cash advance. I called their customer service department again and explained what the previous agent told me before completing the transaction and was told there was nothing they could do. I phoned my credit card and opened a dispute and they will investigate. Xoom.com blamed my credit card company for the cash advance charge, while my credit card company explained they only process the transaction the way Xoom.com charges it. So for a $6.00 cellphone recharge, they also charged me .99 plus the $10.00 "cash advance" fee. It will be the first and last time I deal with Xoom.com. They give you misinformation and then say they can't do anything about it. Shame on Xoom.com, steer away from this company.