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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)

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

Waste your time with incompetent people - apply today!

Any application - even on line - will be eventually followed up by a letter over a week later requesting copies of multiple documents. The information they obtain is already available to the world and certainly all financial bodies; They said they use Experian but clearly don't. You then take them to the post office for certification. The staff are not trained and do not certify correctly, and post it off. Over a week later they send a letter telling you to do it all again. You get the same benefits with a Halifax Clarity card, and the exchange rate for money at the Post Office isn't actually good either so the 'no fee' offer is pointless too. By the time I went through the situation over the phone I was told a complaint would be sent but not acted upon, and the time frame for the whole process tots up to actually a month for completion without cock ups (which is not mentioned on the blurb, and they use the word MAY when actually they mean MUST). Avoid this organisation: they are financially failing for good reason. Reviewed on: 25th July 2016

Disgusting Customer Service

I have had a PO Platinum card for many years with no problems. Four weeks ago they sent me the usual reminder to say that my statement was ready. When logging on I inadvertently put the wrong password in twice and was locked out. My fault entirely! I have now made four long calls to customer service since then and they seem incapable of sorting this out. Half the time they don't even seem to understand what the problem is and keep going away to ask someone. I am now giving up and destroying the card. If you don't want to check your statements and know your balance, use them but otherwise do not entertain them. Reviewed on: 29th June 2016

excellent

great rate, easy to use online system Reviewed on: 9th June 2016

Best card for use abroad

This is an essential card when travelling abroad - you can use it in any country's currency, and there are no heavy charges to convert it to sterling. Of course the balance should be paid off every month to avoid paying interest, but since you will have included this in the budgetting of your holiday it should not be a problem. Reviewed on: 23rd April 2016

Post Office Matched Credit Card

I've had this credit card for almost two months now and all seems to be going well. The online application was quick and simple, I was approved instantly and my card/PIN/online log-in details all arrived within a week and a half. The offer of 0% purchases for 27 months was the big draw for me although upon receiving the card, there was no mention of the 27-month 0% purchase period. It turns out that you have to make at least one purchase on the card within the first three months to receive the full 27 months, otherwise, you will receive the default 16 months. Admittedly, the online banking for the card is very, very basic - you can view your purchases, update personal details and that's about it! You can't pay your bill via the website, you have to pay via your current account - I had to set up direct debit details via my current account and manually pay every month. Reviewed on: 24th December 2015

Worst customer service ever

I took out a credit card with them a year ago as there was a no fee foreign purchase. The credit is useful when you go on holiday and I found that the application on line was nice and smooth.There is only one problem!!!! As soon as I needed to speak to them directly via call centre,the service was dreadful. I wanted to cancel my account and after several calls my account was still open and still was getting statement from them with £2 credit which I have requested to be sent to me by cheque. I have still not received it and waiting for a confirmation of the closure. This has been at least 6 months. I have written to them a few weeks ago hoping to solve the matter and Yesterday I have received a respond which says my card has been blocked. I could not believe it.....!!!! However I have called them again and this time I was promised that the matter has been resolved....let`s hope and see Reviewed on: 4th November 2015

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