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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)

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

Worst Experience Ever

I submitted a charge back application for a hotel booking. Almost 9 months later I am still waiting and getting absolutely NO feedback from Post Office Credit Card, It is impossible to speak to relevant department. Reviewed on: 12th October 2020

Useless, unhelpful, inept and rude

Well, these cards are now provided by Bank of Ireland (another useless credit card company). I fully paid off my card, and then cancelled it. However, the operative I spoke with to cancel the card, didn't, and A YEAR LATER an automatic payment which I forgot about (now I take the blame for that) was taken off the card. I had moved house 3 times by this point (4 years later) so none of the letters came through to me. PO and BoI did nothing to help me, just wrote back saying they were every so sorry, and hope that I'm not upset by how it has worked out. BUT THEN they instantly sold this debt to another debt collection agency. Agressive greedy buggers, stay away from post office cc and from bank of ireland Reviewed on: 6th August 2020

Corporate greed at its worst

Been a loyal customer for over a decade. Paid every month in full by DD. Booked and paid for return flights UK/Bangkok with card. Flew out on 11th Feb. Fell seriously ill on 17th. Advised to change flight date and return to UK ASAP. Contacted UK agent who demanded an admin fee of £1145 to change the date. Either pay up or stay in Thailand and face the consequences. ‘Blackmail’ at its cleverest, eh? Paid by PO CC and flew home next day. Next full week under strict GP medication and rest. Contacted Post Office CC Customer service. Told to send overview letter and docs to prove Flight change date etc. Did so and asked for the payment to be challenged and refunded. From that moment everything went downhill. Back and forth emails and telephone calls to no avail. Result...Post Office refuse my legitimate claim and threaten to impose more interest and late payment fees. Deal with the Bank of Ireland at your peril. Decency and what is right is not part of their system. By the way, I am 86 years of age and never, ever, owed a penny to anyone in my life. Reviewed on: 3rd June 2020

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