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Post Office: Credit card reviews

Name: Credit card
Rating: 2.24 (109 reviews)

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2.38

Based on 109 reviews, last reviewed 4th Aug 2025

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

21%

60%

Latest highest rating:

5

Trustworthy Post Office credit card gave me a chance to build my credit when others wouldn’t. The application was quick, and I was approved with a sensible limit ... Read more Reviewed on: 4th August 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

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 (109)

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

customer service form the dark ages and an app to match

It's baffling how the PO can get this so wrong. The app looks like it was designed by a 2 year old in a dark room and the customer service is so laid back it's horizontal. Reviewed on: 8th January 2020

Worst credit card company

they looked me with lay payment fees 3 times. I have set up a direct debit for a payment to go in time. However they were unable to set it up in time and charged me later payment fees few times. Please don't go for them. Reviewed on: 21st July 2019

Not talking direct debit

I assumed when i set up a direct debit that the money would be taken regularly every month regardless. I was surprised to find my balance was not going down as I had paid extra, over & above my direct debit to pay card off. I realised they were not taking my direct debit, when I questioned this the adviser said if you pay any thing off your account your direct debit is canceled out. What a good way to encourage people to get into debt! The customer adviser was very curt, offhand and not helpful at all. I will be getting rid of this card ASAP & will never use them again. So be careful if you have a direct debit & check your balance regularly Reviewed on: 15th July 2019

Good Service

When we had a problem in Spain the Post Office helped reduce our stress by providing good service to recover our money. Reviewed on: 29th May 2019

Unhelpful, stressful, worst card ever

I have had nothing but problems with this card and the customer service staff just can't be bothered to help. My balance transfer has had interest added, on several occasions, and it has been used abroad when I have been in the UK. Every time I call, the answer I receive is "I'll raise a complaint" which takes 8 weeks to respond to . Don't use this card provider!! Reviewed on: 29th May 2019

Appalling service do not use!

Dreadful. They repeatedly failed to set up a direct debit thus taking me and I am sure millions of customers out of their 0% ,thus incurring massive sums of money in interest for themselves all from their own errors! When I paid the card off they lied and said they had not received the money, so I sent it again. Then they refused to return my money to where it came from and sent a cheque in the post!!! STAY AWAY. ONE MONTH LATER AND I STILL HAVE NOT RECEIVED THE MONEY! Reviewed on: 22nd May 2019

Charged over £300 and did not even tell me

I had paid my Credit card of post office in full and had no charges afterwards left or any remaining amounts. I moved houses and i had forgotten that i had post office card, two weeks ago I received messages from Debt Manager Services saying i need to ring them due to a outstanding amount. Post office money charged me £331.72 for £20-£30 AA cover that was renewed automatically which i wasnt aware of. Explained to both debt manager and post office money, no one cared in post office, the debt manager service were helpful people and did not in any way or form try to hide anything. Never ever ever i will use this piece of sh*t credit card company in my life. Bunch of morons operating this, not one call from these scums about the this case, only debt managers phoned. Reviewed on: 5th April 2019

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

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