score:3
After multiple chat sessions with Ryanair (which were 100% useless) and the ordinary CC reps (who were utterly clueless) I turned to the fraud department who have quickly determined this is caused by making a typo in the expire date and that it will fail in 48 hours when I will need to rebook.
And not an hour after this phone call, about 20 hours since the booking it actually went through and I got the confirmation mail.