Mint Card Review

I too took out a Mint card. I applied on line and was accepted immediately. I got the free 0% interest on balance transfer rate, so I transferred a couple of hundred pounds from another card. All was ok and I made four payments off the balance, on time.



The next payment I paid 3 days before the due date and it didn't clear in time. They charged me £12 late fee and immediately cancelled the 'interest free' agreement and added £25 interest and another £13 payment protection insurance, which I never asked for. They also started taking 'Privacyguard' premiums of £6.99 per month, as they were linked to the MINT card at the time.



The whole thing came to an extra £60, plus the payment I had made!! When I rang MINT cusstomer services, they told me that I had broken the agreement because my payment should have been sent 5 days before the due date and not 3. I wrote directly to them and complained. I got no joy, so I contacted the Financial Ombudsman and complained directly.



I did not get a refund for any of the charges, so I immediately paid off the card balance and closed down the account. I would not touch this company with a barge pole!!! By the way, Privacyguard is very hard to cancel also. I had to contact them three times, before they stopped taking the monthly premiums. Altogether awful! AVOID.