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The OFT added: ‘We took action to make sure that debit card charges are included in the headline price and credit card charges are transparent and not sprung on shoppers towards the end of the booking process.’Ryanair defended its actions and said it was continuing to ‘deliver the lowest fares and a no-fuel surcharges guarantee to all our passengers', and that ‘passengers could avoid credit card fees by paying with a debit card.’A Ryanair statement noted: ’In addition, Ryanair’s €6/£6 admin fee (which covers costs associated with Ryanair’s website, will apply to all new bookings made from 30 November, except those bookings made using a Ryanair Cash Passport in Ireland, Germany and Spain, where admin fees can be avoided until 1 February, 15 February and 21 March 2013, respectively.

One promotion - seen by The Daily Mail - was sent to thousands via a text message and email on Friday – when it was on the brink of collapse.

Last night, Monarch's administrators KPMG revealed that between 35% and 40% of 300,000 future bookings were made with a debit card.

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Find the feeling with 1000s of seats at £30 to Spain and Portugal.'Similar emails and text messages were sent to those on Monarch's customer mailing list in the preceding weeks as the airline fought for survival.

Those who used credit cards to pay for flights worth less than £100 will also not be legally entitled to a refund under Section 75 of the Consumer Credit Act.

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But anyone who paid for flights with a debit card do not enjoy this protection.

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