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Your annual Credit Card Statement explained

The statement highlights the total amount of charges and interest you have had in the last year.

Summary of Total Activity

This section shows the total spending, the total interest and the total fees and charges incurred. It also provides a total figure for the amount paid overall in the last year.

Advances (including cash withdrawals)

This section shows the interest charged on Advances (including cash withdrawals). It also shows the fees and charges incurred for Advances (including cash withdrawals).

Balance Transfers

This section shows the interest charged on Balance Transfers. It also shows the fees and charges on Balance Transfers.

Money Transfers

This section shows the interest charged on Money Transfers. It also shows the fees and charges on Money Transfers.

Annual Fee

This section shows any annual fee charged for your account.

Default Charges

This section shows the total amount of charges incurred because you defaulted on your agreement by making a payment late and/or going over your Credit Limit.

For an explanation of the terms in the 'A Closer Look' tab please see the Glossary of Terms tab.


Advances: are when you use your card for: drawing cash, purchasing (including topping up) payment cards and vouchers.

It is also when you use your card for purchasing travellers' cheques and foreign currency; repaying borrowing (excluding Balance Transfers); or transferring funds.

Balance Transfers: occur when we pay your debt to another financial institution and charge it to your account. Balance Transfers are not treated as Advances and cannot be made to pay a debt you owe us or any other member of The Royal Bank of Scotland Group. Subject to available credit, you may carry out Balance Transfers of up to 95% of your Credit Limit.

Money Transfers: these are payments to a UK bank or building society current account. Money Transfers may incur a different rate of interest from Advances but they must be within your Advance Limit.

Annual Fee: This is an annual fee (if any) charged for your account.

Default Charges:
These are the total amount of charges incurred because you defaulted on your agreement and include:

  • Late Payment Fee - as the name suggests these will only be charged if you make a payment late.
  • Overlimit Fee - these charges will only apply if you go over your Credit Limit.

There are ways we can help you avoid unnecessary fees:

Standing Order:
You can set up a Standing Order if you would prefer to pay fixed amounts, other than the minimum payment or full balance. Set up a Standing Order from your current account and your monthly payments will happen automatically.

Pay by calling Card Services:
You could opt to call Cards Services to make a payment using any debit card. As long as you make a payment anytime before, or even on the payment due date itself, we'll ensure you're not charged a Late Payment Fee. You can pay any amount you like from the minimum payment right up to your full balance. You can do this by calling Cards Services on 0370 410 0870. Customers with hearing and speech impairments can contact us by Minicom number on 0800 141 3999. Calls may be recorded.

Pay Online with Faster Payments:
You could use Online Banking to make a payment from your current account before 10pm any day of the week and the money will go out from your current account and into your credit card account within 20 minutes.

Change your payment date:
You have the option to change your payment date. Many people find it easier to manage their money if they pay their bills shortly after their salary goes in. If you would like to change the payment date call Card Services on 0370 410 0870. Customers with hearing and speech impairments can contact us by Minicom number on 0800 141 3999. Calls may be recorded.

Find the right limit:
If you think you may need more than your current credit limit, call Credit Card Services on 0370 410 0870 and an agent will discuss an increase (please note that we'll need to assess your ability to repay before making a decision). Customers with hearing and speech impairments can contact us by Minicom number on 0800 141 3999. Calls may be recorded.



I have mislaid my Annual Credit Card Statement, can I please have a copy?

We are only able to produce a copy of the Annual Credit Card Statement once a year. However, information about charges will be on your regular statement.

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I have a joint account will I get a separate Annual Credit Card Statement?

If you usually receive separate statements then you will also receive separate Annual Credit Card Statements.

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I really like this, can I get it more regularly?

The Annual Credit Card Statement will only be produced on a 12 month basis, but for more information on charges to your account, please see your regular statement.

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Can I switch my Annual Credit Card Statement to online?

Yes, for future Annual Credit Card Statements register for Mint Online Services and opt for Paperless statements to receive this digitally.

To sign up for Mint Online Servicing you need to have a Mint credit card and be aged 18 or over.

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How often will I get my Annual Credit Card Statement?

You will receive your Annual Credit Card Statement every 12 months on the anniversary of your account opening.

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How do I find out when I get my next Annual Credit Card Statement?

To find out when your account was opened please speak to one of our agents by calling: 0370 410 0870.

Customers with hearing and speech impairments can contact us by Minicom number 0800 141 3999.

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Can I change the date that I receive my Annual Credit Card Statement?

No, unfortunately we can only send your Annual Credit Card Statement on the anniversary of when your account was opened.

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Why have I received a statement for each account?

You will receive an Annual Credit Card Statement for each account held by you.

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Where can I find out more about my credit card?

For more information about the Annual Credit Card Statement and how to make the most of your card please visit our website: www.mint.co.uk.

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I am unsure about the charges in my Annual Credit Card Statement, what can I do?

All the charges are explained in the Glossary of Terms section, however if there is something you are unsure of please us call us on 0870 410 0870.

Customers with hearing and speech impairments can contact us by Minicom number 0870 154 1192.

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Why have I received an Annual Credit Card Statement?

All banks must send this out on an annual basis and this is part of our commitment to provide a clear product range with simplified features and charges.

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I just received my Annual Credit Card Statement from another bank, why is it different?

All banks must send an Annual Credit Card Statement as part of our commitment to provide a clear product range with simply explained features and charges. Whilst the information within this will be the same as other banks' Annual Credit Card Statements, some features may be different.

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Do I need to keep this for tax reasons?

No, you are not required to retain this for tax reasons. This is only for your own information.

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How do I reduce the charges in the future?

Please see the 'avoid unnecessary charges' section under the Glossary of Terms tab, the section explains a range of ways we can help you avoid charges in the future.

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If I change my product through the year how will that show on my Annual Credit Card Statement?

You will receive one Annual Credit Card Statement for the whole year covering both products, as your account number will not change.

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I have two accounts but only one Annual Credit Card Statement, why is that?

This is because you will receive your Annual Credit Card Statement on the anniversary of each account being opened and this date may not be the same for both accounts.

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There aren't any charges on my Annual Credit Card Statement - why have I been sent this?

We are sending the Annual Credit Card Statement out to all credit card customers to highlight any charges that may have occurred on their account.

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MINT is a business name of The Royal Bank of Scotland plc registered in Scotland No 90312. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB. This site is only intended for residents of the United Kingdom aged 18 and over (please click on 'Legal Info' for more details).