I am fairly new to GoldMoney but have some pointers for newer members about deposits. of course this would depend on what country you live in and credit card debt. With a bank wire you still need to go down to the bank and probably pay a wire transfer fee which on top of a 1% fee you have the wire transfer fee, All these fees add up over time to what could have been used to buy more gold. I personally use a capital one card, I get 1.5% cash back on all purchases (which includes GoldMoney deposits) and everything else I buy, plane tickets, bills, grocery everything. I pay my total credit card balance off every month so I have never paid a cent in interest but I have used my cashback points to buy a few hundred dollars in gold. If you don't have a balance you will not pay any interest, your credit score goes up and you get cash back. The only thing better than having gold is getting free gold!