CreditCards Blog

A REFUND IS NOT A CREDIT/PAYMENT IN THE EYES OF MINT!!!



Dear Martin et al.

This is a good one for you.

I have a MINT card that is used only for balance transfers.

I also have an HSBC card that I made a purchase on. Unfortunately the HSBC card expired before a refund I was due was credited to it, so I asked for the refund to go to another card, my MINT card.

Thinking that I was doing the right thing and paying more into my Mint card than the minimum payment I then get a 12 pound late payment letter from Mint.

The credit did indeed hit the card on-time but because it was a refund and not a payment it therefore means that it doesnt count.

I havent bought anything on the Mint card so am not refunding anything, a credit is a credit in my book, but no.

Those kind people at Mint said a refund is not a payment, and a credit is not a payment and therefore I have defaulted.

Obviously I am not happy and want to pursue this further.

Any ideas on how I can do this and make as much of a public spectacle of this as possible in the meantime.

refunds do not count as payments towards a card.

You must always make a minimum payment.

Good luck with your public specatacle!!!

But its not a refund to that card its a credit. Because you cannot refund unless you have made a purchase on that card, which I haven't.
Pedantic I know but thats exactly how Mint are being and charging for the privilege.

Pedantic maybe. But its still a refund & not a payment made by yourself.

Now you could call Mint customer services & plead ignorance & hope they refund the late fee. Offer to bring the account up to date & set up a direct debit. You could always cancel the direct debit later!

Hmm. Say you spend 1000, get 500 refunded, you've still 'spent' 500 and need to make a minimum payment towards that 500.

How on earth can you consider the 500 refund a payment?

what exactly do the T&Cs say about payments and refunds?

Any ideas on how I can do this and make as much of a public spectacle of this as possible in the meantime.

I think by highlighting your assumptions and error further you'll only make a 'public spectacle' of yourself.

The credit did indeed hit the card on-time... Maybe not. See (amongst others) conditions 2(D)(a) and 2(f) (3rd bullet) in your agreement.