Tag Archives: Visa

I’m waiting for my Electron Platinum Card

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Reading through another airline forum, I have just seen another poster describe the Electron Debit Card, the budget flyer’s most flexible friend, as being ‘hard to get’.

Nothing could be further from the truth! The Electron card was designed for people with little or no credit history, and as such can only be used in electronic terminals where authorisation is included with every transaction, so that the user does not become overdrawn. Naturally, this includes the online booking systems of the low cost airlines, who appreciate the lower handling charges this card attracts. Or, they just appreciate the opportunity to apply extra charges to everyone who doesn’t use an electron card – it doesn’t really matter which way you look at it, the fact is simple – if you want really cheap flights, you must have an Electron Card.

A few years ago, I signed up to the American Express Platinum card, which claimed to offer all kinds of rewards to the frequent traveller. I found that I used very few of them, and when it came to claiming on their insurance, they were a total nightmare to deal with – but that piece of plastic certainly shined nicely in my wallet (and it stayed in good condition too, as so many retailers don’t take Amex).  The reality for me is that even though I do travel quite a bit through running this website, most of my flights are within Europe, and as I want to use my local airports as much as possible, most of my flights are from Birmingham or East Midlands, and they therefore tend to be with airlines which don’t reward loyalty with air miles or fancy points.

With the new breed of no frills airline, who needs loyalty points anyway? Why should I need to fly around the world three times to collect enough points for a return trip to Scotland, when I’ve just got back from a wonderful trip to Italy which set me back a mere £9 for the flight, all-in?

As I’ve said before, anyone can get an Electron Card, and you don’t need an MP’s expense account to qualify. Banks aren’t particularly keen to push the basic accounts which come with Electron cards as they aren’t going to make much profit from them, but they won’t stop you from opening the account. I use a Cashminder account from the Co-op bank, which can be topped up in any Post Office. I might not be able to get an Electron Platinum Card just yet, but when it comes to the no frills airlines, putting snobbery to one side is the way forward.

How to avoid airline credit card charge rip offs

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Have you been annoyed by airlines charging you up to £9.50 per person for a return flight booking, just for the privilege of handing over your own money to them? Do you know that if you fly with Aer Lingus, they add an £8 handling fee towards the end of the booking fee, but that there is a way of not having to pay this?

Avoiding card charge rip offs

The answer is simple – you just have to have the right piece of plastic:

The Visa Electron Card

Ironically, this card was previously associated with basic current accounts for people with a poor credit history. Most current accounts come with Visa Debit of Maestro Cards, and these can still attract the same high fees as paying by credit card. Although Easyjet charges more to pay by credit card, both Ryanair and Aer Lingus charge the same rate, regardless of how you pay – except if you use a Visa Electron card.

Fortunately, you don’t need to go round destroying your credit history in order to get a Visa Electron card. All you need to do is have an account with a bank which will issue you one. Ask you current account provider if they can do this. If not, we would recommend opening up a simple Cashminder account with the Co-operative bank. This can be topped up at any post office, so you don’t need to worry about whether or not you have a Co-op branch close to you. The account is even marketed as coming with no frills (just like the airlines) and no fuss (not like any airline we know!).

Once you have opened up one of these accounts, you just need to top it up each time you want to book a no frills flight – in much the same way that you might do for a pay as you go mobile. So we now have pay as you fly – it might be a bit more hassle than using your regular credit card, but it will cost you much less in the long run.