Mint Card Reviews
Latest Reviews
★☆☆☆☆
“Interest charged on daily basis, even if you payed the...”
Written on: 15/06/2012 by hooch6 (3 reviews written)
I paid my card off in full prior to the due date, yet they still charged me interest! I phoned the customer survice twice about this and both times they said it was because the interest is charged on daily basis! So I guess they have started doing what another reviewer has also said, they charge interest from the day you make a purchase and not from the due date if you miss payment! AVOID at all costs!!!! (read more)
★☆☆☆☆
“0% Balance Transfer but Interest IMMEDIATELY on purchases ”
Written on: 27/04/2012
My latest MINT Credit Card statement includes an interest charge relating to recent purchase transactions completed since my previous monthly statement. When I telephoned MINT to query this charge, I was advised that interest charges had been applied IMMEDIATELY (i.e. from the transaction date) on my recent purchases because I had an ongoing interest-free transfer balance on my account. This charge is neither fair nor transparent. I was not made aware that whilst repaying a ‘0% Balance... (read more)
★☆☆☆☆
“A LECTURE ON HOW TO REDUCE MY BALANCE”
Written on: 12/03/2012 by WIGANPEER
I got a letter from MINT asking/telling me to ring a number for a review into how I conduct my account My account currently has a balance of £4100 ( interest free for 12 months with a credit it limit of £9000) I was "invited" to increase I was repaying on this card ( last 3 paymnets total £650 --minimum paymnet currently £100 per month) I was told I would be "be better off" paying back more As I am on interest free and am a "rate tart" -- ie will move to another interest free I... (read more)
★☆☆☆☆
“Rubbish service!! Avoid!!”
Written on: 16/09/2011
I have just paid off the balance left on this card in full - and will never use MINT/RBS again, because: Earlier in this year they cashed a cheque payment I sent them for £50 for £5000 in error. Fortunately, my own bank quickly got the cheque declined and were very helpful. Unlike MINT. I called them after contacting my own bank and spoke to a man with all the customer service skills of a dead slug. He offered no apology or explanation for their cock up and was only interested in... (read more)
★☆☆☆☆
“Sent numerous aoutomated phone calls and removed...”
Written on: 21/01/2011
Sent numerous aoutomated phone calls and removed credit limit from £7000 to £350 for late payment of a £6.37 minimum payment and balance on the account-
Sent 5 letters about this amount all took 9 days to arrive - 8 days after i had cleared the balance
I have been a customer since they set up with no problems.
They must have spent £50 chasing £6.37 - If thats respomsible business then
you could fool me. Wont be using them again
(read more)
★☆☆☆☆
“STAY WELL CLEAR OF THIS CREDIT CARD, YOU HAVE BEEN...”
Written on: 24/12/2010
STAY WELL CLEAR OF THIS CREDIT CARD, YOU HAVE BEEN WARNED.
UNHELPFUL, ARROGANT, DECEITFUL. AVOID - AVOID - AVOID.
(read more)
★☆☆☆☆
“Following a consumer dispute regarding a product...”
Written on: 28/06/2010
Following a consumer dispute regarding a product purchased on my Mint card, Mint refused to help. Following empowering a solicitor to act on my behalf it was revealed that Mint, (despite attempts to wash their hands of the problem) had a legal responsibility involving Section 75 of the Consumer Credit Act 1974. Mint made life difficult. (read more)
★☆☆☆☆
“Would you trust a credit card company that gets your...”
Written on: 24/10/2009 by GemGirl (2 reviews written)
Would you trust a credit card company that gets your balance wrong to the tune of £2,000?
Last month Mint's automated system said I owed less than my receipts prove. Didn't want any nasty surprises later, so spoke to the call centre, who said they'd sort it out. Rang again a week ago to check my balance - and was quoted three separate figures between £1800 and £4000, all in the course of the same call! The advisor also told me to ignore my next statement as it would be wrong, but not to...
(read more)
★☆☆☆☆
“i have issued a claim under consumer credit act with...”
Written on: 01/10/2009
i have issued a claim under consumer credit act with mint card they have messed me about for almost a year and also lost all documents i had sent to them ( or so they say) stay clear of them very poor (read more)
★☆☆☆☆
“Mint reduced my credit limit to a level that made the...”
Written on: 16/09/2009
Mint reduced my credit limit to a level that made the account be over the limit and then had the ordacity to charge me £12 for being over the limit. I would never ever recommend them to anyone. I would prefer to give them no stars. (read more)
See next 10 reviews
Showing 1 - 10 of 34 Reviews
★☆☆☆☆
“my mint card statements do not arrive. seem to stop...”
Written on: 11/08/2009
my mint card statements do not arrive. seem to stop arriving until i make contact and complain. then restart and stop again. different stories from mint on reason, but its getting annoying and would like to stick two fingers up and say take me to court for the balance. (read more)
★☆☆☆☆
“I too took out a Mint card. I applied on line and was...”
Written on: 28/07/2009
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...
(read more)
☆☆☆☆☆
“I was surprised this month to receive my credit card...”
Written on: 25/04/2009 by SamWhipp (1 review written)
I was surprised this month to receive my credit card statement from Mint, which informed me I was £37 over my limit and will be charged a late fee and an overlimit fee.
3 weeks prior to this i had called in to the automated system and paid in £50 which would have met my minimum payment and kept me well under the my maximum limit.
Obviously I was perplexed and questioned whether i had taken the details done it correctly or indeed if I had called in.
Going through my phone records i...
(read more)
☆☆☆☆☆
“Very poor service from Mint, recently they decided to...”
Written on: 24/04/2009
Very poor service from Mint, recently they decided to up my APR and informed me by apparently putting a leaflet in with my statement amongst all the other leaflets. They say this is adequate notice and as I didn't respond it is final and I can't do anything about it. Customer service is poor stay away from them. (read more)
☆☆☆☆☆
“I purchased a product on line with my Mint Card and...”
Written on: 22/04/2009 by latics11111 (1 review written)
I purchased a product on line with my Mint Card and never received the goods or a refund from the company. I have contacted Mint on numerous occasions and they have rejected responsibilty. After coming to the end of my tether, I have today contacted a solicitor who advises me to make a complaint through the financial services authority. This company is dreadful and has caused me more stress over the last few weeks than I have had before. (read more)
☆☆☆☆☆
“DO NOT GET A MINT CARD!!!! ”
Written on: 07/10/2008
DO NOT GET A MINT CARD!!!!
I got one out with them with their interest free offer.
I have just found out that they have been charging me interest the whole time that i have been with them because i made one late payment.
I knew about this late payment and had phoned the customer services to sort it out which i was told that i would get the interest payment refunded to me and that i will not get charged interested until the offer runs out. THIS WAS FALSE INFORMATION!!!! I have just called...
(read more)
☆☆☆☆☆
“Im a platinum MINT credit card customer and have been...”
Written on: 10/08/2008 by mrctelford (1 review written)
Im a platinum MINT credit card customer and have been flawlessly managing my card for over 4 years and was given a very competetive rate. This month they increased my interest rate by a staggering 13%. When I called to complain about this they quoted 'Terms & Conditions' allowed them to increase whenever they wanted and to what rate they wanted and refused to amend the rate. I believed this to be wholly unacceptable and therefore closed my account without further ado. I feel for those who... (read more)
☆☆☆☆☆
“If you want a credit card go through someone where you...”
Written on: 20/12/2007 by Coalie (1 review written)
If you want a credit card go through someone where you sit and talk to them face to face.
(read more)
☆☆☆☆☆
“They made several mistakes but the last straw was when...”
Written on: 28/11/2007 by kilawea (2 reviews written)
They made several mistakes but the last straw was when they took over £200 from my account via direct debit AFTER my account had been CLOSED FOR OVER 10 DAYS!!!I found that out 2 weeks later. I was the one that had to call them and state the problem and they won't pay the interest I've lost during this 2 weeks due to THEIR MISTAKE...it was just ludicrous to talk to the customer service representatives as they really make sure you realize that they don't care at all!I WOULD NOT RECOMMEND MINT... (read more)
☆☆☆☆☆
“I should also mention that I am a platinum cardholder....”
Written on: 06/10/2007 by AvgConsumer (1 review written)
I should also mention that I am a platinum cardholder. If that's the best that platinum cardholders get from the Mint Card/Royal Bank of Scotland, then I shudder to think of the service levels that other cardholders get. (read more)
See next 10 reviews
Showing 11 - 20 of 34 Reviews
☆☆☆☆☆
“I would not recommend MINT to anybody, the customer...”
Written on: 29/08/2007 by priya328 (1 review written)
I would not recommend MINT to anybody, the customer service was very unhelpful with me. My credit balance was £ 05.00, unfortunately that month I couldn't pay it, they charged me an extra £12.00 to my balance.
I contacted the customer service several times. They were unhelpful. I have been a customer with MINT since last 3 years, when I joined it was good, but now?????
(read more)
★☆☆☆☆
“I have spoken to many different customer care reps for...”
Written on: 03/07/2007 by sonya82 (1 review written)
I have spoken to many different customer care reps for Mint on the phone and one is as useless as the other, if I had a tail I would have been chasing it for the last 3months instead I've just been running in circles for no reason at all. Each new person you speak to will give you some different and often conflicting information that does not help. Only once have I got off the phone and felt satisfied that I had received quality customer service. They are in no way helpful and they just... (read more)
★☆☆☆☆
“Mint Credit Card- Don't go there. Get a different...”
Written on: 14/06/2007 by asdf1234 (1 review written)
Mint Credit Card- Don't go there. Get a different credit card. (read more)
☆☆☆☆☆
“The customer operators are very unhelpful. ”
Written on: 25/04/2007 by jdkrc9901
The customer operators are very unhelpful.
Mint add penalty charges to your bill for anything, more so than other credit cards. Your bill is hard to read, as they try to hide the penalty charges.USE THE MAIN BANKS FOR A CREDIT CARD, AS THEY ARE THE BEST eg NATIONWIDE, BARCLAYS etc.
(read more)
★☆☆☆☆
“I am currently applying for a refund of unfair charges...”
Written on: 29/03/2007 by mbna
I am currently applying for a refund of unfair charges on my account. The call centre staff are unhelpful and appear to read from a script. I would prefer to take out a loan than use a Mint credit card! (read more)
★★★★☆
“I have had my Mint credit card for 3 years, and I have...”
Written on: 21/01/2007 by angela2477 (2 reviews written)
I have had my Mint credit card for 3 years, and I have never had any problems with their service. When I applied for my card there was no charge for balance transfers. However, they now charge at 2.9%, which is around the same for most credit cards. They also had a very competitive offer of 11 months interest free credit on balance transfers, which at the time was one of the best deals available for credit cards. I see now that they still compete well with other cards, with 0% balance... (read more)
★☆☆☆☆
“Something has gone badly wrong with this card. It was...”
Written on: 10/12/2006 by jcfield (2 reviews written)
Something has gone badly wrong with this card. It was never cheap, but it had the best-trained, most efficient and most helpful customer service people. Either morale has slumped badly or they're employing people with minimal charm and training, or the card is under new management who seem determined to lift as much money as it can, and to disregard the normal process of keeping customers informed of changes regarding the Mint credit card. (read more)
★★★★☆
“The Mint credit card seems to be a good card. I came...”
Written on: 18/08/2006 by rguildford (2 reviews written)
The Mint credit card seems to be a good card. I came across Mint by seeing the excellent adverts on TV. I'm not the sort of person who really likes to wait around after posting off applications to see whether I have been accepted or not. I went to the Mint website to apply for one of their cards, as they give you an instant decision within 60 seconds. I filled in all the usual details etc., and I hit submit at the end. Waiting for the page to flick over, I was very surprised when it said... (read more)
Jcfield's Response to rguildford's Review
Written on: 10/12/2006
Mint will charge you if you don't pay on time. And they aren't keeping customers fully informed of changes in policy regarding late charges etc.
Reply to this comment
☆☆☆☆☆
“If you fail to settle the balance in full, you will be...”
Written on: 17/08/2006 by tristana
If you fail to settle the balance in full, you will be charged interest on the total amount you have spent, not the outstanding balance. I think this is a rip-off! (read more)
★★★☆☆
“My daughter has just had her Mint Credit Card stopped...”
Written on: 05/06/2006 by barbs (1 review written)
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! (read more)
Proxy's Response to barbs's Review
Written on: 13/10/2006
This has just happened to me.
<br/>
<br/>Mint didn't tell me my credit card had been cancelled. I tried using my card and it kept coming up declined.
<br/>
<br/>I had to ring up and find out that the loss recovery department were dealing with the case.
<br/>
<br/>They must give 30 days notice before cancelling an account. The chances are, they've left negative ratings on your credit scores also.
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Barbs's Response to barbs's Review
Written on: 14/10/2006
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.
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Proxy's Response to barbs's Review
Written on: 15/10/2006
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.
<br/>
<br/>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.
<br/>
<br/>In MINT's case, it's 30 days.
<br/>
<br/>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.
<br/>
<br/>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!
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Barbs's Response to barbs's Review
Written on: 15/10/2006
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.
Reply to this comment
Samwhipp's Response to barbs's Review
Written on: 25/04/2009
I agree with this review because... Mint's IVR doesnt work, and you think you've called into make a payment but in reality all you've done is spend money on your phone bill, and acquired some stress!!
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See next 10 reviews
Showing 21 - 30 of 34 Reviews
★★★☆☆
“The Mint credit card is a good credit card if you are...”
Written on: 23/01/2006 by askewadam
The Mint credit card is a good credit card if you are looking for large limits and good rates. Customer service is poor, and due to one missed payment through no fault of my own I had my 0% interest revoked, and they are now subsequently losing my business. (read more)
★☆☆☆☆
“The 8p per minute should be reviewed, I believe BT...”
Written on: 10/11/2005 by RonaldPinto (1 review written)
The 8p per minute should be reviewed, I believe BT gets 2 or 3p , and Mint pockets the difference,
A customer service call, should be free or at least 2p per call, specially if you have to deal with answer machines that keep you waiting for long periods !
Also operators should be a bit more courteous,not with the don't care attitude....
(read more)
★★☆☆☆
“Nothing special about this Mint Credit Card Classic...”
Written on: 14/09/2004 by ckmaxx (6 reviews written)
Nothing special about this Mint Credit Card Classic card compared to my other Gold cards, hence I hardly use it. They refused to upgrade me when I wrote to them. Beware of conflicting information between the letters and statements they send - in my case one said they would collect full payment, the other said minimum. In the end when I phoned I had to pay by Switch because the direct debit had not even been set up!! (read more)
★★★★★
“The Mint Credit Card offers cash back, 0% balance...”
Written on: 04/02/2004 by pnadin (122 reviews written)
The Mint Credit Card offers cash back, 0% balance transfers and low on going APR. The mint credit card also has a curvy corner making it lighter to carry. This means I can eat less and save even more money! (read more)
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Hooch6's Comment
Written on: 15/06/2012
I too had exactly the same problem. Customer Service have told me they are charging interest on daily basis from when you make the purchase! even though I had paid the bill in full before the "deadline", I still had to pay an interest. I phoned twice and the customer service just did not want to know ....AVOID Mint at all costs (I have been with them for many years).