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Post Office: Credit card reviews

Name: Credit card
Rating: 2.25 (113 reviews)

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2.25

Based on 113 reviews, last reviewed 5th Mar 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

21%

60%

Latest highest rating:

5

Cap1 manage the card very well. Cap1 manage the card very well. The app is very useful and I had no issues obtaining the credit limit I needed. Reviewed on: 20th February 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 (113)

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

Great card

It's quick and simple to use and will definitely stick to it Reviewed on: 11th March 2022

Great credit card

Excellent customer service, good quick contact with customer services when scam suspected instant action to protect your card account. Reviewed on: 31st December 2021

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