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Post Office: Credit card reviews

Name: Credit card
Rating: 3.54 (116 reviews)

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3.54

Based on 116 reviews, last reviewed 26th Jun 2026

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

22%

59%

Latest highest rating:

5

New Travel Credit Card is brilliant New Travel Credit Card is brilliant for overseas spend Reviewed on: 26th June 2026

Latest lowest rating:

1

I send them my original driving license for verifica... I send them my original driving license for verification purposes but they lost my driving license Reviewed on: 5th March 2026

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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 (116)

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

Be careful how you judge.

I applied for credit card and was accepted and then wanted to add my wife. Too much information needed to be sent that she applied in her own name (Online) and was accepted straight away. As for me, while in the USA (having advised them I was going) I received a text message querying 2 amounts in GBP asking if they were mine. As all my transactions had been in US$ and no payee details were supplied I was not prepared to spend 79 pence a minute on phoning and no email facility was available. While there, I downloaded my statement and tried to print it off but is was only gibberish. The same thing happened on my return to the UK and I sent a message to ask if they would send a printed statement (having changed my options online). I subsequently phoned and was informed it would cost me £5.00. To my surprise, a few days later a printed statement was received in the post and no charges have been made. SInce then, I used another printer and was able to obtain a correctly printed document. My initial reaction to my experience was not favourable but after a few days and a little more work I am pleased to admit that some of the problems I encountered were self inflicted and not the fault of the company. I must learn not to be too hasty! Reviewed on: 3rd August 2016

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