Ryanair c/c declined but can they deduct c/c charge?

My credit card was/is full at the moment. I pay by direct debit ulsterbank to mbna. I checked Ulsterbank this morning and the direct debit had left my account, so off I went to Ryanair found myself some cheap flights and went to book them. The credit card charge was €18.00 and the booking was declined (presumably the money has left Ulsterbank on the way to MBNA but has not arrived down the information superhighway yet)

Then I went into mbna.ie to discover that the direct debit payment had not landed yet but now there is a new unposted transaction of €18.00

It might be a coincidence but I suspect Ryanair have charged the credit card fee even though the card was declined.

Can this be the case?

I'm with MBNA too.

That's kind of weird.

I've noticed the following -

5 working days for my payments to hit MBNA (from AIB.)

My CC limit is not enforced. If I am maxed out, people can continue to take money off my card...

I would tend to think the charge would go through of not. The CC limits are not hard enforced, but beware they may/will charge you for going over the limit.

Ryanair declined the booking but appear to have charged me the handling fee.

Get onto the disputed transactions deparment of your credit card provider and ask them to charge it back to Ryanair. The onus will then be on Ryanair to justify making the charge.

gonk said:

Get onto the disputed transactions deparment of your credit card provider and ask them to charge it back to Ryanair. The onus will then be on Ryanair to justify making the charge.

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That is what I was thinking, I authorised them to deduct 240 odd euro from my account not €18.

I suspect Ryanair are trying it on.

I must point out that the €18 is as yet "unposted" so may be for something else altogether.

MrKeane said:

I must point out that the €18 is as yet "unposted" so may be for something else altogether.

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If you ring MBNA they can always identify the unposted transactions.

Some transactions hang around as unposted and go away again, for example some hotels put a 'holding charge' when you pay for the room in case they find any damage after you've left, they can charge you then.

I've complained about this previously as it eats into the credit limit whilst it's hanging around. Maybe Ryanair do something similar?