If you're using your credit card, you're using WU's online money sending system... you'll have to give up your addy and real name. That kinda blows. If you don't have cash, and want to use your CC, just go to your bank, get a cash advance on it... the rates are a little higher, but if you don't have the cash handy, it is a safer alternative.
And yeah, I think with WU if you send over 999.99 the guy picking it up needs an ID.
C