Credit card payments on Wise treated as Cash Advances

[TSS]

usually go to foreign transaction desk to bring over funds with the Schwab card. On occasion have used it in ATM machines. If a fee shows up, it's always been reimbursed back into my account by Schwab within 48 hrs. excellent cust. service 24/7. From UK, check out Starling Bank

[Mike321]

I just learned about this from CITI today when I called to check out Wise.. I was using Paypal and my credit card to pay an Asian supplier, but now they're complaining that they lose a lot of money with Paypal, so I was looking for a solution and discovered Wise. I was willing to pay their 4.3% fee to have the protections afforded by using the credit card. However, I learned that CITI wants to charge an add'l 5% for cash advance. Is this something that I can avoid if I squawk enough about it to CITI, e.g. threaten to close my account, etc. ?