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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:

Good service

When the Post Office have messed up in the past, they've fixed it quickly without protracted arguments which is why I stay! Reviewed on: 7th December 2016

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

One query at one time

I have two credit cards with Post Office. I had a query so called the customer service team. A guy called Andrew dealt with one query and when I asked him to look at the second credit card he said I have to call again as he can only deal with one query at one time. Joke! I’m going to use that trick at work tomorrow and see what my boss has to say about this. Reviewed on: 13th March 2019

Terrible customer service

What can I say, absolutely terrible service. The telephone handler just don't care. Not will to help in anyway. Been with post office for over 5 years. Alway paid on time and have been a great customer. Unfortunately not the same on there half. No flexibility at all, just keep to the script. Please do not use post office card if you want standard or below standard customer service, because they only do useless customer service. If you can live with that then give them a try. Reviewed on: 13th February 2019

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