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Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.16 (106 reviews)

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2.16

Based on 106 reviews, last reviewed 23rd Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

19%

61%

Latest highest rating:

5

Very helpful and efficient also available 24 hours a... Very helpful and efficient also available 24 hours a day Reviewed on: 19th 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.

Post Office Credit Card reviews (106)

Review of the Post Office, Credit Card:

On hold endlessly for confusing information and no answers

I've had this card for a while and use it for purchases abroad and joint purchases. Don't remember particular problems before , (but don't remember last time I used it either..) Yesterday I went to buy a new item online, got the dreaded Mastercard securecode page, filled in all my details, was asked to CREATE a passcode... authorisation then failed. This 3 times over. I gave up and used my Santander card (also Mastercard), verified the purchase with OTP, worked seamlessly, thanks Santander! I was keen to know why I had such a problem with the post office card, so I rang them today. First time I gave up after 12 minutes on hold, second time I decided to stick it out, and after 13 minutes of their blaring and irritating hold music (at 2.15pm so should be a quiet time...?) I got Maeve, who didn't seem to understand what I was saying and told me repeatedly that I had entered the wrong passcode while I told her repeatedly how I had been ASKED TO SET UP a passcode during the transaction. She then indicated that my card had been locked.. and said I could go through the set up a passcode process again the next time I purchase. Frankly I'm not too keen to go through that entire rigmarole again so I asked if I can set up the password directly with the post office - she said no, you need to set it up on the mastercard securecode site, which will be the first thing that comes up in a google search. It's not - instead I get a whole bunch of infomation pages touting securecode, none of which allow me to do anything meaningful, and I am not one step forward. On the basis of this, I may just avoid using the post office card again, it's not worth the hassle, the massive amount of time waiting on hold to speak to someone who doesn't seem to know what's going on, and the likelihood of the whole thing being repeated next time I try to use the card. Marks for ease of use - MINUS 10! Reviewed on: 15th October 2018

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

Great service!

Customer service excellent. Always able to talk to someone straight away and customer service agents are very helpful. Reviewed on: 13th March 2022

Just great

Very easy to apply and fast acceptance. Highly recommended. Took a huge weight from my shoulders Reviewed on: 11th March 2022

So quick and easy

Got a decision very quickly with a sensible credit limit and got the card in days. I was very impressed with the service Reviewed on: 11th March 2022

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