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Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.17 (105 reviews)

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2.21

Based on 105 reviews, last reviewed 19th Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

19%

60%

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

Customer service is so bad trying to change address... Customer service is so bad trying to change address no email, no phone,you have to do it by post & royal mail are so bad at getting post delivered Reviewed on: 9th October 2024

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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 (105)

Review of the Post Office, Credit Card:

The Most Incompetent Customer Service Ever..

Post Office credit card department issued a second card with a new pin number, changed my home address and all this without my knowledge. When I tried to get access into my account I was blocked and when I called to find out what was the problem, they have asked me one million securities questions. When I asked them for an explanation on how the fraudster managed to pass all the sensitive security questions no one could give me an answer. For three weeks I was awaiting a letter or something, they promised to issue a new card on three different occasions (still waiting). They are the worst of the worst … my personal recommendation is to avoid them …. I have closed my account since then. Reviewed on: 29th March 2019

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

Easy application

Very happy using post offices credit card Reviewed on: 11th March 2022

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