I keep posting to use ATM cards and CCs. Get an ATM card that reimburses ATM fees worldwide. For US users, they can use Fiedility and Charles Schwab. Even without ATM fee reimbursed, one will be ahead when 30k is taken out of the ATM for each withdrawal.
Already sent $1000 to my daughter (for purchasing her services for my business), and she will send that to me for purchasing services from my business. I will keep doing this till May next year, when I will apply. Cheers.