Post Office Credit Card Reviews

Ratings based on 59 reviews Last review 5 days ago

Post Office Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Post Office customers like? Find out more about the Post Office Credit Card by reading our trusted Smart Money...

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Post Office Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Post Office customers like? Find out more about the Post Office Credit Card by reading our trusted Smart Money People reviews. You can also write your own Post Office Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Our Smart Money People 360° Rating

Poor Credit Card
Combines our customer review data set with wider market analysis. Find out more here.

Your Credit Card Reviews (59)

13th March 2019

One query at one time

I have two credit cards with Post Office. I had a query so called the customer service team. A guy called Andrew dealt with one query and when I asked him to look at the second credit card he said I have to call again as he can only deal with one...

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I have two credit cards with Post Office. I had a query so called the customer service team. A guy called Andrew dealt with one query and when I asked him to look at the second credit card he said I have to call again as he can only deal with one query at one time. Joke!
I’m going to use that trick at work tomorrow and see what my boss has to say about this.

13th February 2019

Terrible customer service

What can I say, absolutely terrible service. The telephone handler just don't care. Not will to help in anyway. Been with post office for over 5 years. Alway paid on time and have been a great customer. Unfortunately not the same on there half. No...

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What can I say, absolutely terrible service. The telephone handler just don't care. Not will to help in anyway. Been with post office for over 5 years. Alway paid on time and have been a great customer. Unfortunately not the same on there half. No flexibility at all, just keep to the script. Please do not use post office card if you want standard or below standard customer service, because they only do useless customer service. If you can live with that then give them a try.

26th January 2019

dreadful experience

Waiting an hour on the phone. website instructions very confusing. transfers to other departments take forever. lots of long holds.....takes hours to do something simple. a very regretful experience....

7th January 2019

Awful - just awful.

I've had a PO credit card for some years and it has never been over limit. But for a while now - my balance has been INCREASING despite making the regular (albeit minimum payment) monthly payments. So not one single penny of my monthly payments now...

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I've had a PO credit card for some years and it has never been over limit. But for a while now - my balance has been INCREASING despite making the regular (albeit minimum payment) monthly payments. So not one single penny of my monthly payments now are going towards reducing the balance. Yes - had letters to ask me to increase my monthly payments - but no warnings to say that interest will be increased if I don't. So today - I paid the card off and issued a complaint. My advice - DON'T EVER use this card. It is a total rip-off - and if you read this Post Office - you ought to be ashamed of your squeeze on ordinary folk to force them to pay more than the minimum payment every month. How can you justify increasing the balance owed every month when I am making regular monthly payments ?? This 'unsustainable borrowing' that you refer to - is utter nonsense. I haven't used the credit card for almost a year so I have spent NOTHING on it. But I will never again touch a Post Office credit card and neither will any of my family or friends. Account closed and lesson learned.

24th December 2018

Shambles service

Absolutely RIDICULOUS service! Got my card on Fri, activated it, tried to use it but wouldn't work. Phoned customer services, on hold for ages, then transferred, then hold, then disconnected. Eventually got told that there was a technical issue. Not...

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Absolutely RIDICULOUS service! Got my card on Fri, activated it, tried to use it but wouldn't work. Phoned customer services, on hold for ages, then transferred, then hold, then disconnected. Eventually got told that there was a technical issue. Not resolved. Called Sat and got the whole runaround again. Called Mon, was told that security dept need to activate card. On hold for 20 mins. Then got through and was cut off again. Eventually spoke to security who said they activated my card. Went into shop to use ut and card did'nt work. AVOID at all costs!! Cowboy outfit.

20th December 2018

Worst Customer Service EVER

Once you get pass the stage of getting the credit card, then comes their customer service. Which is the worst I have ever , I have my card declined 4 times within the first 10 transactions, for security reasons. Then Even when you try to contact...

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Once you get pass the stage of getting the credit card, then comes their customer service. Which is the worst I have ever , I have my card declined 4 times within the first 10 transactions, for security reasons. Then Even when you try to contact them, you will be transferred just the right number of times to get you annoyed, plus they will ask for your card number everytime, and they will transfer without even confirming with you.

try an avoid as much as you can.

19th November 2018

rubbish

I Applied for post office credit card. the eligibility checker said i was most likely to be accepted so made hard application, and the answer was vague. Ddnt get turned down but was asked to provide copy of photo i.d and a bill, so i sent that to...

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I Applied for post office credit card. the eligibility checker said i was most likely to be accepted so made hard application, and the answer was vague. Ddnt get turned down but was asked to provide copy of photo i.d and a bill, so i sent that to them, and a couple of weeks later was then turned down? Even though according to experian and equifax I had a 90 per cent chance of getting the card and my credit rating is above average. But If they are going to turn you down, why not right away rather than all this send passport copy and a bill , which are important documents. AND it has brought my credit rating down, by applying for it as well. So i will not forget that. And in future rich or poor i will not touch the post office finances with a barge poll, and urge people to avoid them

15th November 2018

Sneaky fees

If you go over your limit even slightly, you'll get charged £12 twice. Once for the month in which you went over, and once for the next month (since you won't be told you're over until after the deadline to miss the next fee).

9th November 2018

Appalling!!!

I have received a man arrears letter every month despite my husband and I putting a substantial amount in every month. I set up a direct debit with them only to find money wasn’t being taken and when I eventually set up my standard order the money k...

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I have received a man arrears letter every month despite my husband and I putting a substantial amount in every month. I set up a direct debit with them only to find money wasn’t being taken and when I eventually set up my standard order the money kept being returned. I am exasperated and I will never ever recommend post office credit card to anyone!!!! Once I have settled my debt I will cancel this and never return.

Appalling!!!

24th October 2018

Simply awful customer service!

They blocked my account for not remembering my online password despite me doing a password recovery. Customer services refuse to answer the phone and play awful music down the phone. A truly horrific experience. Based on their non existent customer...

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They blocked my account for not remembering my online password despite me doing a password recovery. Customer services refuse to answer the phone and play awful music down the phone. A truly horrific experience. Based on their non existent customer service, I certainly would not recommend them to anyone.

15th October 2018

On hold endlessly for confusing information and no answers

I've had this card for a while and use it for purchases abroad and joint purchases. Don't remember particular problems before , (but don't remember last time I used it either..) Yesterday I went to buy a new item online, got the dreaded Mastercard...

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I've had this card for a while and use it for purchases abroad and joint purchases. Don't remember particular problems before , (but don't remember last time I used it either..) Yesterday I went to buy a new item online, got the dreaded Mastercard securecode page, filled in all my details, was asked to CREATE a passcode... authorisation then failed. This 3 times over. I gave up and used my Santander card (also Mastercard), verified the purchase with OTP, worked seamlessly, thanks Santander! I was keen to know why I had such a problem with the post office card, so I rang them today. First time I gave up after 12 minutes on hold, second time I decided to stick it out, and after 13 minutes of their blaring and irritating hold music (at 2.15pm so should be a quiet time...?) I got Maeve, who didn't seem to understand what I was saying and told me repeatedly that I had entered the wrong passcode while I told her repeatedly how I had been ASKED TO SET UP a passcode during the transaction. She then indicated that my card had been locked.. and said I could go through the set up a passcode process again the next time I purchase. Frankly I'm not too keen to go through that entire rigmarole again so I asked if I can set up the password directly with the post office - she said no, you need to set it up on the mastercard securecode site, which will be the first thing that comes up in a google search. It's not - instead I get a whole bunch of infomation pages touting securecode, none of which allow me to do anything meaningful, and I am not one step forward. On the basis of this, I may just avoid using the post office card again, it's not worth the hassle, the massive amount of time waiting on hold to speak to someone who doesn't seem to know what's going on, and the likelihood of the whole thing being repeated next time I try to use the card. Marks for ease of use - MINUS 10!

10th October 2018

Rip-off Card. Charges extra credit interest months after the transaction.

Also poor customer service (see above) and you will wait forever for an agent on the...

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Also poor customer service (see above) and you will wait forever for an agent on the phone.
I pay off my PO platinum card in full each month but they have a sneaky way to charge interest on cash withdrawals in the month after the full amount and all charges are paid. I will be cancelling my card as soon as this is sorted out.

5th October 2018

Horrifically slow and bad service undoes the 0% overseas rate

Like the 0% charge on overseas..but then they proactively blocked my overseas purchase because it seemed suspicious (which is odd given they market this for overseas purchases). This then dragged me into their customer service which never answered...

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Like the 0% charge on overseas..but then they proactively blocked my overseas purchase because it seemed suspicious (which is odd given they market this for overseas purchases). This then dragged me into their customer service which never answered my call. So ended up having to use my other card to get the transaction done which defeated the whole purpose of the 0 fee on overseas. This has happened multiple times.

17th August 2018

Poor application process

Went online to apply for one of there credit cards used the pre check to see if I would be approved and it came back saying that I was 9.5 out of 10 of being accepted so I carried on with the application and submitted it to then be told we need to see...

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Went online to apply for one of there credit cards used the pre check to see if I would be approved and it came back saying that I was 9.5 out of 10 of being accepted so I carried on with the application and submitted it to then be told we need to see your last 3 months bank statements to see your income before i can issue you a card I have never had this before with any other credit cards so I go to the bank and get them and post them as there's no other way as they are still running in the stone age ! Then I get a letter about 10 days later saying the bank statements that I sent were no good as only my surname is on them so what a waste of my time now i have gone and got a search on my credit file for nothing if you try ringing you will be waiting a long time I just gave up. Went to another credit card company gave me an £1500 limit straight away and 0% Balance transfer for 36 months.

17th July 2018

a right cowboy outfit

Post office been with them over 20 years had no defaults and paid up on time if not before time , asked to up credit limit and was declined no reason give , I suspect its because I have paid up all the time and they are not making any money out me , a...

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Post office been with them over 20 years had no defaults and paid up on time if not before time , asked to up credit limit and was declined no reason give , I suspect its because I have paid up all the time and they are not making any money out me , a credit card is needed for most car hire abroad of which i needed it for , as prepay credit cards , debit cards are not taken , so the post office has now ruined the propect of holidays abroad with there petty minded ways , I will now be canceling the card and going to a reputable banking establishment than using a crooked firm as the post office , and boycock the post office completly rip podt office

11th July 2018

Over charging rip off!!

ZERO STARS!!! BEWARE!!! Since Febuary 2018 I have made the min payment every month on time. Despite my balance reducing each month the interest charged increased as did the monthly payment. For example, the interest in March was £106.48 then £115.11 i...

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ZERO STARS!!! BEWARE!!! Since Febuary 2018 I have made the min payment every month on time. Despite my balance reducing each month the interest charged increased as did the monthly payment. For example, the interest in March was £106.48 then £115.11 in April. In May it was £103.03 and then in June £105.16. The min payment in March was £164 and then £172 in April and £175 in May. When I rang customer service to ask how I can be charged higher interest and payments each month on a reducing balance they could not explain, even after the representative agreed with me that it wasn't what she'd expect and asked her manager for advice. They are now sending me a letter which will, apparently, explain the inexplainable. I've had credit cards for 25 years and no other company increases charges like this.

3rd April 2018

Terrible customer service

Agent was not listening to me when I was giving my details had to repeat myself a number of times. Robert didn’t know basic facts on my account then answered with offers for balance transfers are not on the account have been removed until the new f...

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Agent was not listening to me when I was giving my details had to repeat myself a number of times. Robert didn’t know basic facts on my account then answered with offers for balance transfers are not on the account have been removed until the new financial year. Once Robert had got his facts straight after supposedly speaking with his manager he processed my request. I then asked exactly how much was the charge he replied with the percentage. I asked well could you tell me that in the actual pound figure he replied I’m not able to give Financial advice and said need to get a calculator and work it out myself.

3rd November 2017

Good card but not great customer service

It’s been a great card in terms of having 30 month Interest free and the app being easy to use but their customer service isn’t great. I accidentally changed my direct debit from minimum payment to balance in full. I phoned to explain and they told me ...

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It’s been a great card in terms of having 30 month Interest free and the app being easy to use but their customer service isn’t great. I accidentally changed my direct debit from minimum payment to balance in full. I phoned to explain and they told me the refund would be back in my account within 5-10 days. It took 3 phone calls and 18 days to finally receive a cheque from them which then took another 5 days to clear. 23 days is a long way away from 5-10 and I got no apology.

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