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Maybe a stupid question but does anyone know how they hook into your bank account and credit card details?

Mint.com is built on Yodlee's banking-data platform.

You can check out Techcrunch's view on Mint's use of Yodlee's data here:

Personally I think that such insane attention to detail on the user-interface is admirable and he definitely deserves the sale.

but how does yodlee then ?

Since it doesn't work with every bank and I heard it is sometimes waky, I suppose it is a hack like : http://cpan.uwinnipeg.ca/dist/Finance/