1. Can I apply for a Ryanair Credit Card? You can apply for a Ryanair Credit Card providing that you can say ‘yes’ to the following statements: - I am 18 years or over, a permanent resident in the UK and have been for the last 12 months.
- I have a good credit history with no previous defaults or County Court Judgements.
- I have a current UK Bank Account and a registered UK telephone number.
- My partner/myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.
- I do not already have a Ryanair Credit Card issued by GE Money.
Back to Top 4. What are credit checks? We are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs. If you tell us you have a financial link with another person, or a link has already been recorded by CRAs, applications for credit by either of you (separately or together) will take the others financial information into account and will be affected by it. This linking will continue (covering any other names used by both of you) until you, or the person who is financially linked with you, successfully apply to CRAs to be disassociated. We may also use credit scoring and automated decision making systems when considering your application and managing your account. This may involve further searches at CRAs. These searches will not affect your ability to obtain credit. Back to Top 5. What records are held by CRA’s and FPA’s? CRAs record credit application searches we make about you and people financially linked to you. CRA credit application searches may be used by other organisations to help make credit decisions about you. FPAs may also record information we share with them about you. We and any other organisation may use CRA and FPA records about you, people financially linked to you, anyone in your household and your business (if you have one) to (1) assess lending and insurance risks, (2) make decisions on and manage credit, insurance and related services, (3) help make decisions on motor, household, credit, life and other insurance proposals or claims, (4) for fraud prevention, debtor tracing, debt recovery or to check you or their identity to prevent money laundering and (5) for statistical analysis and system testing. CRAs and FPAs may also use your data for other purposes for which you give specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
Please telephone us on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes). If you want details of the CRAs and FPAs we use. You have a legal right to these details. We may monitor or record our phone calls with you. Back to Top 7. Can I apply again if I am declined? If you are not accepted for a Ryanair Credit Card this time, you can try again any time if your circumstances change. However, you should be aware that each time you reapply; we will perform Fraud and Identity checks, which are recorded by the Credit Reference Agencies ("CRAs") and Fraud Prevention Agencies ("FPAs") that we use. Back to Top Back to Top 8. How will you use my personal information? We will use and disclose Personal Information in accordance with Condition 9 of the credit agreement. We, GE Group companies, and other organisations we disclose your Personal Information to, may contact you personally (by letter, fax, phone and mobile phone (including recorded messages, automatic dialling and automatic calling), email, SMS and other electronic methods) about this agreement and with details of other products and services (provided by us or others) that we or they think might interest you, based on the information we hold about you. If you don't wish to receive direct marketing from us, please let us know. Back to Top 9. Can I start using my Ryanair Credit Card straight away? Once you receive your card, it will need to be ‘activated’ before you can use it. This is to reduce the risk of your card being intercepted and misused on its way to you. To activate your card call 0800 369 8628. Opening hours are: Monday - Friday: 8am to 8pm. Saturday - Sunday: 9am - 5pm. Please note that calls may be monitored or recorded. Back to Top 10. Can I apply for an additional cardholder on my account? Yes, for a partner or family member. You will be given the opportunity to do this when you call to apply. If you are already a cardholder, you can call Customer Services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purpose. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm). Alternatively, log in to Manage My Account and follow on-screen instructions. Back to Top 11. What should I do if I have not received my Ryanair Credit Card? If you do not receive your Ryanair Credit Card within 7-10 days of a successful application, please let us know by calling Customer Services on 0870 836 1170 (open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm). Every effort will be made to ensure that your card reaches you safely as quickly as possible. Back to Top 12. What is the No-Quibble Guarantee? In the unlikely event that you are not totally satisfied with your Ryanair Credit Card, please call GE Money Customer Services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes) and take advantage of our No-Quibble Guarantee. If you contact us within 60 days of opening your Account and then pay off your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees**. This guarantee is in addition to and does not affect any statutory rights that you may have. Back to Top 13. How will GE Money use your personal information? A condensed guide to the use of your personal information by ourselves and by Credit Reference and Fraud Prevention Agencies 1) When you apply to us to open an account, we will check the following records about you and others (see 2 below): a) Our own;
b) Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders and this may affect your ability to obtain credit for a short while. They supply to us both public (including the electoral register) and shared credit and fraud prevention information;
c) Those at fraud prevention agencies (FPAs). We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your Account with us. 2) If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. 3) Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted. 4) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. 5) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts. 6) Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. This is a condensed version and if you would like to read the full details of how your data may be used please phone 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes). You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee. - CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414.
- Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk
- Please contact us on 0870 836 1170 if you want to receive details of the relevant FPAs
Back to Top 15. What do I need to earn my Ryanair flights? You just need to spend £1,500 in the 6 month period to receive a return flight to Europe or spend £3000 and receive 2 return flights to Europe. The 6 month periods run from 11 December to 10 June and 11 June to 10 December. Refunds and balance transfers do not qualify for this spend. As a special introductory offer you will also earn a return flight when you spend £250 in the first 90 days of opening your account. Refunds and balance transfers are not included. Back to Top 17. How do I book my flight? If you have qualified for a bonus flight you will receive an email in July and January containing your flight voucher number and full terms and conditions. You just need to call Ryanair directly to book your flight, its as easy as that! You must provide us with an up to date email address is order to receive your flight voucher. Your email address will be shown on your monthly statement. Back to Top 20. Is it easy to pay my Ryanair Credit Card bills? Yes. You can make payments by any of the following methods: - Direct Debit – call 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm) or request a form to be posted to you
- Cheque and debit slip on your statement
- By calling customer services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm)
- Online with your debit card at www.ryanaircreditcard.co.uk
Back to Top 21. How do I manage my Ryanair Credit Card account? You can manage your account over the phone by calling 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm) Back to Top 22. Can I receive an additional credit card for a friend or member of my family? Yes. You can apply online once you have registered for account management, or simply call 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes.). You can have up to 3 additional cardholders in your account and they will all share the benefits of your Ryanair Credit Card account so you’ll be earning your flights even quicker! Back to Top 24. Can I transfer a balance to my Ryanair Credit Card? Yes. Plus, when you transfer a balance, you will receive a 0% p.a. interest rate for 6 months.** (a 2.99% fee applies). To make a transfer, simply call 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm). Give us the details (amount, account number and card issuer) and we’ll take care of everything for you. Back to Top 25. Can I apply for a credit limit increase? You can apply for a credit limit increase once there is at least six months payment history on your account. Just call us on customer services on 0870 836 1170 (open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm) Back to Top 26. What should I do if my card is lost or stolen? Don’t worry, just call 0871 522 5937 (calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes) immediately. Then, confirm the loss in writing with your full name, address and account number within 7 days to: Ryanair Card Services
GE Money
PO Box 700
Leeds
LS99 2BD Back to Top 27. What if I have a complaint? Our aim is to offer outstanding service at all times, so should you have a complaint, we want to help you to resolve it. Please contact our Customer Services Helpline on 0871 522 5937 (calls cost 10p per minute plus network extras. Calls may be monitored or recorded for quality and security purposes) giving full details including your name, address and account number, or write to PO Box 700, Leeds, LS99 2BD. If you subsequently feel that the matter has not been resolved satisfactorily, you may refer your complaint to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Alternatively you can also refer your complaint to the Finance and Leasing Association (FLA) of which GE Money is a member. The Association operates a Conciliation Scheme and also an Arbitration Scheme for members and their customers. Details are available from the FLA at Imperial House, 15-19 Kingsway, London WC2B 6UN or at www.fla.org.uk Back to Top | 
This site is intended for UK residents only. Credit is subject to status to UK residents aged 18 years or over. The Ryanair Credit Card is issued by GE Capital Bank Limited, trading as GE Money, 6 Agar Street, London, WC2N 4HR. Registered No. 1456283.