I have on a few occasions to send money from my computer using my credit card through western union's website. The card approves it but then western union declines it and gives me this message that they are unable to approve it. When I called in to western union they said they have certain criteria they cannot reveal and sometimes this happens, and although the funds are removed from my card they will appear in 24-48 hours. Has anyone else had this happen and what type of criteria are they speaking of, is this a big secret or something?