Write a review

Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.19 (107 reviews)

View other Post Office products

2.22

Based on 107 reviews, last reviewed 28th Apr 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

20%

61%

Latest highest rating:

5

Post Office Credit Card is excellent The Post Office Credit Card offers an excellent credit limit and 0% offers for customers looking for a credit builder card. The online journey is very... Read more Reviewed on: 28th 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

Read all reviews See your review

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 (107)

Review of the Post Office, Credit Card:

Good notifications, communication, fair

Good notifications, communication, fair interest and easy to apply Reviewed on: 30th May 2024

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

Not up to date enough. Confusing.

Got accepted for a 0% 200 limit. Didn't advise me it's a £3 charge for cash withdrawals. Balances don't update for 2 days causing confusion. Available does not reflect spent amounts. So confusing. Reviewed on: 14th November 2021

Easy to join and great customer communication

Joining was a surprisingly smooth process, they offer a lot of financial advice and send you interesting content. They upped my limit within a few months of me using the service in a responsible manner. I had two credit cards with two other credit companies prior to having the Post Office Credit Card and I never got any communication from them nor did I get a higher credit limit, only messages I would receive were text messages to remind me of when payments were due so I simply cancelled those services. Post Office - team are personable and it feels like they like to engage and really care about your customers. Reviewed on: 15th June 2021

Mis lead with 0% Interest on purchases

I took out a Post office credit advertised as 0% interest on purchases, However the card is operated by Capita One, I foolishly didn't check the first couple of statements closely but I was charged interest! Paid the thing off immediately and complained , Capital One say I was never offered 0% on purchases , however that is the only reason I took the card out, BUNCH OFF RIP OFF CROOKS!! Reviewed on: 31st January 2021

Interest Free OFFer : Rip OFF!!

Beware! I was offered 0% on purchases from Post office Credits card Last August. Took the card out and started using in September. I foolishly didn't check the online statements until today (January) as monthly direct debit had been going out with minimum payment, Its through Capital One and they have been charging interest on purchases! Apparently Post office OFFRERED the 0% on purchases , but it didn't go through on the card, What A total Rip off. Just cleared the account in Full, but an unneccesry 3 months of interest n there. Check statements every month . Will never trust Capital one or Post Office ever again, The misleading offer has tucked me up good and proper! Reviewed on: 25th January 2021

Downhill for last 2 years

Never had an issue till last 2 years. Perhaps because I got rid of the DD, as the amount on card was low. Pay on due date by app, they charge u late fee as does not hit their account till next (point of due date!!!). Try calling on hold for an hour, gave up. Like this several times. Cant contact by email as many companies FAQ or call and never get through. Tried resetting direct debit again via app, hot notification they were going to set it up may take a month, each month for 6 I have waited to see if payment taken, ended up late paying as they have never set up, cant call. As my over payment each month of 100 was clearing 20 debt due to interest and charges, got a great loan and cleared it 1/9. They changed to Jaja, never got another statement and then a letter yesterday stating in arrears and a new charge!!!!! Theybhad charged interest after clearing account, not sent me a satstement so I would know i still had to pay something, then charge a late fee and added interest again afterwards. I stayed on phone this time, got through after an hour, and spoke to an inarmoured woman who cancelled the charge and extra interest as no statement. I paid the little interest and closed account. Never ever again. Half my debt was their late charges Reviewed on: 7th November 2020

Misleading

I’ve just got a Po credit card but it’s not Po it’s capital one very misleading at no stage when applying does it mention capital one personaly I think it’s fraudulent Reviewed on: 27th October 2020

AVOID THEM AT ALL COSTS

I applied for a chargeback from my holiday provider and it was paid onto my post office credit card. When i started the process I confirmed with them that they would pay the money immediately into my current account once received. What a load of c**p. I asked for it to be refunded over 2 weeks ago and despite empty promises still not received it. I was told within 5 working days initially and after speaking with a manager (after 4 long calls (on hold for over an hour each time)) she offered me £25 compensation and said it would be done. 4 days later still no money. Ihave had their credit card for years,always paying off in full but the service I have recieved regarding this is absolutely disgusting and therefore I have cancelled my account. The telephone operatives dont even seem to know what their own company policy is. Worst service ever. When I rang them this morning and asked to speak with a manager, no-one was available - surprise surprise. Feel sorry for the call centre staff. If I could give them a minus star review I would. AVOID THEM LIKE YOU WOULD COVID! Reviewed on: 19th October 2020

Do you have a different Post Office product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Purchase Credit Card
from Bank of Scotland 4.42 from 9 reviews
Overpay
from Incredible 4.60 from 5 reviews
Credit Card
from Jaja Finance 1.41 from 139 reviews

Want to see more from Post Office?

Pet Insurance
from Post Office 5.00 from 1 reviews
Business Banking
from Post Office 5.00 from 6 reviews
Personal Loan
from Post Office 4.01 from 176 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub