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Average Ratings
Customer service1.5/10 Based on 10 ratings
Value for Money2.6/10
Reviewer Rating2/10
Overall Rating2.7/10 Based on 27 ratings
14% Recommended3 out of 22 Reviews
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22 Review Centre Mint Card Reviews

  • Full review by
    SamWhipp Rank: Lance Corporal
    on 25th Apr 2009


    User Rating : 0
    Respect : 0

    Good Points: Good Cust Serv Agent today

    Bad Points: Previous cust serv. agents were ill informed and misadvised me, therefore harming my credit rating and making me pay extra to the greedy so and so's. There is an integral trust in using Mint ( RBS ) CC's automated telephone system and ( being advised that i should be careful using it, is really frustrating.

    General comments: 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 saw a 5.5 min call to Mint and was pretty sure i had paid it, but had NOT noted any reference number. I am trying to recover my credit rating, and this did not help me one bit. I did call in and they reversed my late payment fee and my over limit fee. and the cust service agent assured me as they had last filed details with credit rating agencies on 01/04/09 my credit file will not be hindered. This has happened to me once before where i was simply told that it was my error and i should have made a note of the ref.
    SamWhipp's review and ratings     | 255 words

  • Review by
    Guest.
    on 24th Apr 2009


    User Rating : 0
    Respect : 0

    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.
    Guest's full review     | 66 words

  • Review by
    latics11111
    on 22nd Apr 2009


    User Rating : 0
    Respect : 0

    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.
    latics11111's full review     | 97 words

  • Review by
    Guest.
    on 8th Oct 2008


    User Rating : 0
    Respect : 0

    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 them ...
    Guest's full review     | 124 words

  • Review by
    mrctelford
    on 10th Aug 2008


    User Rating : 0
    Respect : 0

    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 cannot ...
    mrctelford's full review     | 111 words

  • Review by
    Coalie
    on 20th Dec 2007


    User Rating : 0
    Respect : 0

    If you want a credit card go through someone where you sit and talk to them face to face.
    Coalie's full review     | 84 words

  • Review by
    kilawea Rank: Corporal
    on 28th Nov 2007


    User Rating : 0
    Respect : 0

    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 MI ...
    kilawea's full review     | 160 words

  • Review by
    AvgConsumer
    on 6th Oct 2007


    User Rating : 0
    Respect : 0

    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.
    AvgConsumer's full review     | 298 words

  • Review by
    priya328
    on 29th Aug 2007


    User Rating : 0
    Respect : 0

    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?????
    priya328's full review     | 62 words

  • Review by
    sonya82
    on 3rd Jul 2007


    User Rating : 1
    Respect : 0

    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 don't se ...
    sonya82's full review     | 189 words

  • Review by
    asdf1234
    on 14th Jun 2007


    User Rating : 1
    Respect : 0

    Mint Credit Card- Don't go there. Get a different credit card.
    asdf1234's full review     | 36 words

  • Review by
    jdkrc9901
    on 25th Apr 2007


    User Rating : 0
    Respect : 0

    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.
    jdkrc9901's full review     | 57 words

  • Review by
    mbna
    on 29th Mar 2007


    User Rating : 1
    Respect : 0

    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!
    mbna's full review     | 117 words

  • Review by
    angela2477 Rank: Lance Corporal
    on 21st Jan 2007


    User Rating : 8
    Respect : 0

    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 transfe ...
    angela2477's full review     | 230 words

  • Review by
    jcfield Rank: Corporal
    on 10th Dec 2006


    User Rating : 1
    Respect : 0

    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.
    jcfield's full review     | 384 words

  • Review by
    rguildford Rank: Lance Corporal
    on 18th Aug 2006


    User Rating : 8
    Respect : +1

    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 applica ...
    rguildford's full review     | 289 words | 1 comment added.

  • Review by
    tristana
    on 18th Aug 2006


    User Rating : 0
    Respect : 0

    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!
    tristana's full review     | 31 words

  • Review by
    barbs Rank: Lance Corporal
    on 5th Jun 2006


    User Rating : 5
    Respect : +2

    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!
    barbs's full review     | 47 words | 5 comments added.

  • Review by
    askewadam
    on 23rd Jan 2006


    User Rating : 5
    Respect : 0

    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.
    askewadam's full review     | 93 words

  • Review by
    RonaldPinto
    on 10th Nov 2005


    User Rating : 1
    Respect : 0

    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....
    RonaldPinto's full review     | 98 words


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