No credit check required for pre-paid cards
If you need to make online purchases then get a prepaid or disposable credit card.
You do not need to have you credit history checked to get one of these, which is important as card providers are turning down six out of 10 card applications at the moment.
Get a 3v disposable card. You register online then take the card to a retailer, hand over the cash and the card is loaded up. You get a 16-digit visa number. It is free to load up to €20 on the card, then €2.50 for between €30 and €100, and €5 for €110 to €350. Some 300,000 people have registered for 3v cards.
Alternatively, get a prepaid Mastercard from www.neteller.com. The physical version of this card can be used to book Ryanair flights without incurring the €5 "administration charge" per flight.
You need to register online, then send off a colour photocopy of your passport and a utility bill. Once registered and "authenticated", you can then load the card online from your bank account.
There is no charge for this. If you load the card from a credit or debit card there is a 1.75pc charge per transaction.