I'm in the funny situation that GBP still keeps going down (but isn't that also true for GBP vs. USD?), so while I'm waiting for the CC setup to come online I'm getting to pay less and less.. 3% less as of today. With luck the change should cover any extra charges I may run into. Whereas, if I had paid via bank transfer the same day as the refund arrived I would have come out even (except for the bank transfer charge, which is a bit large to stomach.. one of the reasons I'm waiting for the CC setup, while the pound keeps dropping.)