written by san jose on 28/11/2015
Mint are an absolute disgrace as a credit card company. I put in a complaint, which they didn't reply to. I've not received statements. They claim to have sent letters which I never received. The complaint was referred to the Financial Service Ombudsman because of all the problems. The FSO decided that I should be paid compensation. I thought things would then improve, but they didn't so I had to refer it to the FSO again. They've now unbelievably added a charge which they shouldn't have so I'm going to have to go to the FSO again. I did write to Mint, but they just don't listen. You can't e mail them which makes things more difficult. I've tried to reason with Mint when problems have occurred but they aren't interested and it is only when the FSO get involved that things get resolved. No customer service, no flexibility, Avoid at all costs unless you are happy to deal with a garbage company who will create numerous problems for you to sort out.
written by brettmuk on 01/03/2014
Do not use this company I made a purchase for over £850 and the goods never arrived and when I tried to make a claim under the consumer credit act they said I couldn't as it was a telephone transaction, This was after they had already told me to put it in writing (what a wast of time that was!)there customer service is terrible and when I tried to complain it turns out that there complaints department is the same as there chargeback department and absolutely nothing was done about it. It's been over a year now and problem still isn't resolved!
written by CamillaCasey on 27/02/2014
very bad keep away from mint and rbs had to pay a company £890 to settle my credit card got threatening letters for three months six on the same day. after they had settled sill get statements from them and all they have done is taken of the settlement amount from the amount I owed them . sill after the rest
written by hooch6 on 15/06/2012
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!!!!
written by 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 Transfer’, my MINT credit card would no longer operate as a credit card for subsequent purchases and that such transactions would immediately attract interest charges from day one. This is an underhand stealth charge which isn’t disclosed in MINT's ‘0% Balance Transfer’ promotions. MINT is a business name of The Royal Bank of Scotland Plc (‘RBS’). Under FSA regulations, RBS is obliged to treat its customers fairly; THEY DON'T.
written by WIGANPEER on 12/03/2012
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 said why --as even with transfer fees I am borrowing at 2.98% per annum APR Pointed out I could be investing this in an ISA at 3.36 for 1 year Lecture continued as to this wa snoit worth it --think about it borrow at 2.98 receive 3.36 tax free !! Was told Credit limit would be reduced --fine Was going to cancel card at 1st opportunity but decided to drive them daft instead I bank on line and am in credit so I will be sending them 10+ small paymnets each month to reach the minimum.Then when I transfer at the end of the interest free period I will leave the account £1.01 in credit ( just above the miminimum written off amount) Why have they got their knickers in a twist ==because credit card companies share end of month balance information ie they knew the combimd balance on my cards for Feb --did they bother asking why it had gone up overall??--NO! The fact that the card I use and pay in full each month had a 29/02/12 liabliity of 6k ( paid off in full on 06/03/12) seemed to have coincerned them OR WAS IT THAT I HAD JUST TAKEN NATWEST TO THE OMBUDSMAN AND WON --have anything to do with it NO SOUR GRPAES BOYS --Natwest decide randomly to change my account and MINT decide to ring me -FOR THE FIRST TIME EVER NATWEST CUSTOMER OF 43 years /MINT OF 13 YEARS- MINT --THE BANK WITH A HOLE!!
written by 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 mistake and was only interested in taking a payment for my account over the phone. After pushing the complaint he finally suggested writing to them. Which i did straight away but six weeks letter I had no acknowledgement of the complaint at all. I called MINT again, spoke to someone who was more helpful, who apologised and refunded £10 to my account. He suggested writing to them again with my complaint but I never received a response again. Not a company that values customer statisfaction obviously. The other issue was that I had no online access to the account or automated phone service as I closed the account to freeze the interest while the balance was repaid. I could request online access to the account but as soon as I'd set it up the online service was closed to me automatically overnight. I can't see any good reason for this. So basically MINT can get stuffed and would not recommend them to anyone!!
written by 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
written by on 24/12/2010
STAY WELL CLEAR OF THIS CREDIT CARD, YOU HAVE BEEN WARNED.
UNHELPFUL, ARROGANT, DECEITFUL. AVOID - AVOID - AVOID.
written by on 29/06/2010
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.
written by GemGirl on 24/10/2009
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 worry because things should be sorted out by next month...
Hopefully my new credit card will have arrived before then so I can just check all my receipts and transfer the (real) balance over as quickly as possible.
written by 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
written by 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.
written by 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.
written by 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 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.
written by SamWhipp on 25/04/2009
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.
written by 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.
written by latics11111 on 22/04/2009
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.
written by on 08/10/2008
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 them to sort it out and they said there was nothing they could do and that it was out of their hands!!!!! I am not very happy at all.
written by mrctelford on 10/08/2008
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 afford to do so. My advice is STAY AWAY from MINT!
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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).