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Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (109 reviews)

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2.42

Based on 109 reviews, last reviewed 4th Aug 2025

No new 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)

scammed for £30

Applied for 12 month interest free card.. than got charged interest.. so basiacally got scammed for £30 before I closed the account! Reviewed on: 1st April 2024

Random request for id

After having the post office credit card for 8 months and using it regularly I received a letter saying that I needed to send the proof of my id BY POST within 60 days otherwise they would cancel my card. 3 days after receiving this letter my card was blocked and I was unable to access the funds, 18 days before Christmas. I tried reasoning with customer service but after a few seconds of silence on their end they hung up the phone!! I did not swear or raise my voice. I shall be paying off my balance now and closing my account, appalling service and demands. Reviewed on: 7th December 2023

Repayments take forever

I have a post office credit card, when I make repayments it takes an absolute age to show in my available balance... I also have a Zable credit card, when I make a repayment it is immediate, no messing ....... Why on earth can't the post office due this .... it's unacceptable, where does the money go for 4-5 days ...space ! Reviewed on: 23rd November 2023

Waste of time

Got sent a letter saying they've opened something new up made it sounds interesting like it gonna benefit me but just to get declined. Waste of time Reviewed on: 14th April 2023

Post Office credit card

It’s nice but sometimes while using the app it’s delay Reviewed on: 12th April 2023

Good company

Had no problems with company easy to use Reviewed on: 21st February 2023

Scammers

Reference: 9975072721257435 Received an email on my Clear Score credit file account saying I have pre-approved offers and to apply with confidence. Applied for a Post Office credit card and was told card will arrive 'soon' with pin number. Got the card and pin and tried to activate it using their phone line. Taken to fraud department - man with heavy indian accent asking me if the application was genuine. Found out Post Office C Card is supplied by Capital One. I already have a Ocean Credit Card (Also via Capital One) where my limit was increased from £750 to £1750 and I have been using it in the SAME month I applied with Post Office C Card. Got an email today from Darren Carlile Head of Customer Operations saying after a review the card has been cancelled. On my file there is a CIFAS recorded - heaven knows how and why. Entry date as 04/01/2023. There seems a link between the call centres Capital One uses in India and scams perpetrated by call handlers. Applying for this 'mickey mouse' Post Office card has messed up my credit file and I am totally innocent. Before this I was doing just fine. Be aware everyone. STAY AWAY from Post Office credit card applications. Scammers in India will hijack you. Reviewed on: 9th January 2023

FRAUD WARNING SCAMMING CUSTOMERS

just signed up for card and new mobile number and few days after received calls from indian scam call center saying my name and address trying to extract credit card and bank details . on 3 occassions from 2 indian women and 1 indian man seperate calls . i reported today to capital one , whos indian call center team was just like ow no no no . we will take it as feedback when staff members are taking information names addresses and phone numbers from new applications department and passing them to their scam call center mates . reported to ICO and action fraud . AVOID not even used card yet had a few days now cancelling card . avoid like the plague anything associated with capital one / postoffice and their indian contact centers Reviewed on: 8th October 2022

Impossible to contact

I needed to change some personal details and tried to get online. The new PO credy card says Java on it, but all the websites to took me to Capital One. I tried four different numbers, but they either all said the Customer lines were now closed, or else the line wnt dead. 50 minutes wasted just to get totally frustrated. Reviewed on: 8th October 2022

Fairly Productive

Credit facilities provided by Post Office are simply not beneficial as it always the barest minimum limit you get however the services are simply straight forward. Reviewed on: 8th July 2022

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