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Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.19 (107 reviews)

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2.23

Based on 107 reviews, last reviewed 28th Apr 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

20%

61%

Latest highest rating:

5

Post Office Credit Card is excellent The Post Office Credit Card offers an excellent credit limit and 0% offers for customers looking for a credit builder card. The online journey is very... Read more Reviewed on: 28th April 2025

Latest lowest rating:

1

Unable to open any account with them Unable to open any account with them Reviewed on: 23rd April 2025

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About this product

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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Post Office Credit Card reviews (107)

Post Office Credit Card - Appalling Customer Service

A simple notification of address change. Wasted 30 minutes on the phone without any luck.. BB Reviewed on: 16th November 2016

Great product but rubbish customer service and technology

Opted for a new Post Office Credit Card after seeing a very long 0% deal (24 months) which was, and still is great. However, they 'lost' my first payment back to them paid online and they issued a default payment to my account. After 4 very long phone calls with conflicting advice, they 'found' the payment and issued a refund of it but were only unable to remove the default after 2 more long phone calls. The App that is available for management of the account is also very poor, and requires reinstalling every few weeks. Overall, the deal available for the credit card is a good one, but should something go wrong the customer service and software they provide for managing the account are very poor.; Reviewed on: 14th November 2016

Poor service means card benefits aren't worth it

I used to like my Post Office card for its lack of foreign currency fees and for making it cheaper to buy currency. However, recently I've been subject to endless poor service problems that has cost me over £50 to date due to mistakes by the Post Office. The fee savings just aren't worth the headache and the fees caused by their mistakes have probably erased any savings anyway. Just don't bother with this card. Reviewed on: 12th November 2016

Direct debit cancelled without informing me

I missed a direct debit payment due to a change in my salary payment date. I rectified as soon as I realised and during the phone conversation with with customer service I was told I didn't need to do anything else and the following months DD would go ahead as before. The next month I received a letter saying that I had failed to make my payment, when I called they told me that my bank must have cancelled, so began and back and forth situation trying to figure out what had happened only for PO to eventually admit they had cancelled the direct debit. Even though they apologised during the call, they added a negative make to my credit rating which the refuse to remove. I have been a customer for several years and find the standard of customer service particularly over the weekend to be appalling. I have been left with an adverse credit rating over a cancelled direct debit of £40. Reviewed on: 29th October 2016

My Post Office Credit Card

My Post Office Credit Card has been great for me because for the first 18 months I pay no interest on the balance. I just have to make the minimum payment every month. I use the app to manage the account, which was easy to download and straightforward to use. I have never had any problems using this card and would recommend it to anyone, especially if the interest free period is still available. Reviewed on: 14th October 2016

worse customer service ever

aviod avoid do not sign up for a credit card with the post office. They say they have sent mail out and when you don't receive it they charge you late payments and add it to your credit score... then they are not interested when you lodge a complaint.. the very worse rude staff and dismissive attitude I have ever come across... Reviewed on: 13th October 2016

avoid post office for credit cards transfers

I made a balance transfer to post office credit card. set up direct debit... sounds easy.. received a late payment bill and messed up credit rating and late payment fee... there fault, they refunded the £12 late payment fee and said sorry your direct debit was nt set up quick enough..so you needed to make manual payment. I had no knowledge of this ... rang up.. sorry it will have to go through complaints procedure ..may take 8 weeks, even though it has taken us 3 seconds to wreck your credit score...it may take up to 2 months to fix it... but tough avoid this company.. never had this problem with any other credit card...avoid avoid avoid Reviewed on: 1st October 2016

Rubbish, Customer Service None Existent!

If you want a credit card that you can't access from a company who doesn't want to help, then this is your company!!! Absolutely appalling customer care who do not deal with your complaint. I've not even used my card, its now cut up and being sent back. What sort of company in this day and age makes you write in to them to reset your account security!!! Not one of there advisors could help and no response to my numerous complaints! Won't be wasting my time with any of their products again! Reviewed on: 24th September 2016

Regret & nightmare for having the post office credit card

This is to let you all know the dreadful service provided by the Post Office credit card provider. More than £2k was made on my card without my authorisation, in others words I was subjected to fraud. I have spent a small fortune talking to their customer services team on the phone explaining the issue but after sending evidence by registered post to their fraud department more than 5 weeks ago, their only communication is to send me a default payment notice despite customer services advising that I should block the payment from my Santander account. Shoddy service and impossible to talk to anybody who can help, just pushed from pillar to post! I suppose next step is the financial Ombudsman.......watch this space Reviewed on: 18th September 2016

horrendous

the post office offer an interest free credit card then change the dates at which your payment is due in order to ensure you get a late fee Reviewed on: 16th September 2016

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