mint card review

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Average Ratings

Customer service	1.9/10
Value for Money	3.4/10
Reviewer Rating	2.6/10
Overall Rating	3.3/10

18% Recommended3 out of 17 Reviews

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Review of Mint Card

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By barbs on 5th Jun 2006

barbs's Ratings

Used card for	6 - 12 Months
Loyalty scheme	Yes
Customer service	0/10
Value for money	5/10
Overall value	5/10
barbs's recommendation

Good Points

Free interest for 6 to 9 months.

Bad Points

None at all!

General Comments

My daughter has just had her Mint Credit Card stopped after the initial interest free period, with no explanation, but that they are tightening up there lending etc. She only had a limit of 400 and used it sensibly. Unbelievable!

4 Comments on Review by barbs for Mint Card

1. proxy on 13th Oct 2006

   This has just happened to me.
   
   Mint didn't tell me my credit card had been cancelled. I tried using my card and it kept coming up declined.
   
   I had to ring up and find out that the loss recovery department were dealing with the case.
   
   They must give 30 days notice before cancelling an account. The chances are, they've left negative ratings on your credit scores also.

2. barbs on 14th Oct 2006

   Did you get a reason? Because Mint credit card say they don't have to give you one. My daughter paid hers on time every month, and only ever had a small limit anyway. Her credit file is fine, but they are owned by NatWest bank, who are rubbish anyway.

3. proxy on 15th Oct 2006

   Lenders are under no obligations to tell you why. However, you can ask for the name and address of the credit file agency they used when searching you.
   
   If they've changed their lending policy, they don't have to tell you why you didn't pass, but they do have to give you a certain amount of notice. The most common notice period is 28 days.
   
   In MINT's case, it's 30 days.
   
   I'm currently going through the complaint channels of the customer service team, and I'm going to see where that gets me. Depending on the action taken (I've been ringing up for almost 2 weeks now and had unsatisfactory action taken) I may take them to the FOS.
   
   It's funny, because I asked for a copy of the internal complaints procedure and a new Direct Debit form... Only the DD form came. How surprising!

4. barbs on 15th Oct 2006

   I would be interested to see what their answer is, as I got "that's it! You can't do anything about it". Mint gave my daughter a credit card, then 6 months down the line with only a 300 limit, they withdraw for now reason. Strange! Maybe we should have pursued it.

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