It wasn’t long after I predicted changes to Ryanair’s credit card regulations that they were actually introduced. In fact what it took was a massive rise in publicity of the Visa Electron trick and the availability of cheap or even free accounts where these cards were offered. I did take advantage of my Visa Electron on 2 or 3 occasions before it was disqualified. And I’m still happy because I got this card free of charge.
The new Ryanair ruling requires you to actually purchase a card which is supposed to put people off using them when buying tickets. But what I noticed is it’s actually not the payment itself that’s annoying (I paid 7 pounds for mine and am charged 2% for every transaction) but the fact you can only load it at Post Office unless you can afford further 3% charge when loading in any of the PayPoints.
My pre-paid Master Card doesn’t offer the option to transfer money directly from my account. You can set up a direct debit so a certain amount of money is transferred to this account every month. But you can’t transfer directly to your credit card.
And this is a real pain because I usually buy tickets in the evening or late at night. That means I’d have to wait at least 12 hours before I can top up my card. This obviously means prices are unlikely to be the same after that time.
Another thing is I want to avoid keeping too much money on the pre-paid card in case I need it on my account. Withdrawing money from my pre-paid account also incurs a fee. Obviously I could use it to pay for goods like with a regular credit card but you have to know exactly how much money you have on it otherwise you’ll be embarrassed when it’s declined.
Anyway, I only managed to use my pre-paid Master Card once. It didn’t cost me a penny on the Ryanair website and I’d have to pay additional £30 without the card. But I spent a total of £19 to buy the card and top it up which still saved me a tenner.
So I’m not hating it yet because at least I saved on my first purchase and would have to spend that money anyway. But going to the Post Office to top up is quiet a hassle.
And just so you know, I did believe Bread when I was ordering my card that you can top it up from your own account. But this is semi-true. You can top up via direct debit but not by bank transfer which is a pain!
I’m using the Bread pre-paid Master Card and did shop around for a better option. But couldn’t find anything cheaper and better suited for my needs.
Posted in ryanair
Tagged account, aircraft, airline, airlines, airport, carriers, cheap, cheap flights, fares, ryanair, ryanair.com, travel, travellers, travelling
I can’t say how much I love StumbleUpon. Once again browsing through random pages I found something very inspiring. 10 Life and Money Lessons Learned from Immigrant Parents is yet another example of what I’m looking for in life.
A former prisoner become a financial advisor says money’s not making you better. You need money to get food and shelter. Period.
My time locked up has taught me lots, but the greatest lesson is that simple is beautiful. Happiness isn’t about material possessions, or drugs, or money, or even love. It’s about self acceptance and inner peace. Free yourself from materialism and learn to accept who and what you are, because the happiness you’re pursuing can only come from inside.
So yeah, people are living their lives the way they want, rather than how ads dictate. I’ve been thinking that way for ages, but lacked consistency in my approach. I didn’t realize how many people in the world think the same way.
I’m quite happy anyway though, coz finally I understand precisely where I’m going. I have a plan to stop working at some point in the future. I’m working on a plan to make this come true.
If you ever purchased flight tickets via the Ryanair website you probably noticed their ridicules surcharges. It seems the only card type not affected by the surcharge is Visa Electron.
I did a bit of a research and found this article Visa Electron card holders exempt from Ryanair’s debit and credit card charges.
My girlfriend currently does have a Visa Electron but one issued in Poland. So basically if we wanted to use it we’d still have to pay international bank transfer costs. While this is an option to consider it’d make much more sense to get one issued in the UK.
So I went to the Halifax website just like the article in The Guardian advises and filed my application. Apparently though, they’re extremely busy at the moment and due to high volume of applications waiting time is expected to be over 1 week.
Hehe, I checked the date on the article in The Guardian and it looks like they’re partly responsible for the delay. The article was written 3 days ago.
I’m just wondering if Ryanair will react to this by changing the surcharge system.
Anyway, it’s worth trying, the Halifax’s Easycash account is free, available without age restrictions and can be opened online.
Posted in ryanair
Tagged account, airlines, bank, cheap, costs, credit car, discount, fares, payments, ryanair, ryanair.com, tickets, visa electron