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Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.19 (107 reviews)

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2.23

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

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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 (107)

Review of the Post Office, Credit Card:

Balance Transfer Card

Very disappointing. Applied for and received balance transfer card with initial credit card limit in excess of £2500. HOWEVER , on receipt of the card my transfer limit was set at only £200 - no good to man nor beast! Reviewed on: 29th December 2016

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

Very poor disgusting customer Service does not warrant 1 star

Please do not ever take out a post office credit card as they will try and make money out of you at any costs and they do not even tell you when they remove a 0% balance transfer rate and start charging interest and in their words they do not have to tell you they have done it. Also the customer service complaints department is very rude they offer no customer service at all. Reviewed on: 15th May 2020

Ignore fraudulent use of card

I already notified this credit card company about an unauthorised transaction a month ago. Now today I receive my April statement with the same company taking another fraudulent payment from my account. Working like crazy in the NHS and generally companies going out of the way to help us. These just put additional hurdles in the way. POST OFFICE GET RID OF BANK OF IRELAND FROM MANAGING YOUR CREDIT THEY ARE APPALLINGLY USELESS Reviewed on: 28th April 2020

get the simple things wrong, repeatedly

When i opened the account they set it up with the wrong date of birth, took months to get it sorted, customer service unhelpful. After my name changed they can't change my name on there website so always shows old name. Set up a direct debit which didn't go through but saved my bank details on there system. When i had to get my name changed and date of birth corrected, I had to send a letter, with no proof, seemed very insecure and received no confirmation either time that it had been updated. Every time I've spoken to customer service they haven't really helped and come across a bit rude/ not bothered Reviewed on: 17th April 2020

Could not care less

Been a loyal customer for over a decade. Pay full monthly balance, never failed. Was ‘blackmailed’ into paying £1145.00 when falling ill abroad in February and had to change flight return date in an emergency. Loads of seats on aircraft. Reported full facts to Post Office Credit Card bank in Ireland. No acknowledgement (only the bill) No email contact allowed. Phone lines engaged for hours. When finally connecting, staff totally unhelpful. Refused to ‘block’ the contested £1145.00. Told the full DIRECT DEBIT payment would be taken. Also told (by a person who’s spoken English was abysmal) that she had no way of contacting the claims s department. Remember what the American Airline captain announced to his passengers...”This is your captain-speaking, we are about to land in Ireland, please put you watches back two hundred years.” Reviewed on: 27th March 2020

Compassion is not their speciality

Paid my card on the due date at 8pm and received a late payment fee, their day ends at 6pm and not midnight which it does for everyone else. More recently on a separate issue I recieved a letter about persistent debt, the information it contained failed to take into consideration the latest update from the FCA, but they didnt care about that and said they didnt know anything about it. I reported this to the FCA who took note and said the post office had been notified along with all the other companies. Reviewed on: 10th March 2020

dreadful customer service

Had my card refused in Singapore when I had plenty of credit available. Wrote to them on 5th December 2019 for an explanation and still waiting for a reply on 14th January 2020. It's not possible to contact them on their website by secure message and when you select "contact us" from the sitemap it loops you to a page selling credit cards and then back to your original page. This card is as bad as the ASDA card whose customer service dept is complete chaos. There are plenty of cards with decent customer service available so I shall be closing my account at the end of the month. Reviewed on: 14th January 2020

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