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Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (109 reviews)

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2.38

Based on 109 reviews, last reviewed 4th Aug 2025

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

21%

60%

Latest highest rating:

5

Trustworthy Post Office credit card gave me a chance to build my credit when others wouldn’t. The application was quick, and I was approved with a sensible limit ... Read more Reviewed on: 4th August 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

Capital One is the exclusive lender and issuer of all new Post Office credit cards, for which Post Office acts as credit broker.

With a Post Office credit card, you may be eligible for interest free balance transfers and the ability to spread the cost of purchases at 0% interest.

Post Office credit card reviews help you find out what it’s really like to be a customer. If you’ve used Post Office before, you can also leave a review and share your experience.

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Post Office Credit card reviews (109)

It's OK

Its okay but it has no incentives , like cash back etc which is disappointing Reviewed on: 6th December 2016

Non notification of direct debit domancy

I too, after years of having a PO card, have been very badly stung by a slight of hand by PO and BoI meaning that instead of paying of the total as I though I have accrued three-figure outstanding balance. Four calls to them (and dealing with my own bank) has left me with no option to pay - and close my account. I couldn't do that on the phone - as they no longer take payments by phone. Their internal 'complaints' team are a fraud. Under no circumstances use this shabby outfit who have NO customer service and frankly show the worst side of banking. Avoid at all costs. Reviewed on: 24th November 2016

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

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