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Post Office: Credit card reviews

Name: Credit card
Rating: 2.26 (113 reviews)

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2.26

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)

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

dreadful experience

Waiting an hour on the phone. website instructions very confusing. transfers to other departments take forever. lots of long holds.....takes hours to do something simple. a very regretful experience.... Reviewed on: 26th January 2019

Awful - just awful.

I've had a PO credit card for some years and it has never been over limit. But for a while now - my balance has been INCREASING despite making the regular (albeit minimum payment) monthly payments. So not one single penny of my monthly payments now are going towards reducing the balance. Yes - had letters to ask me to increase my monthly payments - but no warnings to say that interest will be increased if I don't. So today - I paid the card off and issued a complaint. My advice - DON'T EVER use this card. It is a total rip-off - and if you read this Post Office - you ought to be ashamed of your squeeze on ordinary folk to force them to pay more than the minimum payment every month. How can you justify increasing the balance owed every month when I am making regular monthly payments ?? This 'unsustainable borrowing' that you refer to - is utter nonsense. I haven't used the credit card for almost a year so I have spent NOTHING on it. But I will never again touch a Post Office credit card and neither will any of my family or friends. Account closed and lesson learned. Reviewed on: 7th January 2019

Shambles service

Absolutely RIDICULOUS service! Got my card on Fri, activated it, tried to use it but wouldn't work. Phoned customer services, on hold for ages, then transferred, then hold, then disconnected. Eventually got told that there was a technical issue. Not resolved. Called Sat and got the whole runaround again. Called Mon, was told that security dept need to activate card. On hold for 20 mins. Then got through and was cut off again. Eventually spoke to security who said they activated my card. Went into shop to use ut and card did'nt work. AVOID at all costs!! Cowboy outfit. Reviewed on: 24th December 2018

Worst Customer Service EVER

Once you get pass the stage of getting the credit card, then comes their customer service. Which is the worst I have ever , I have my card declined 4 times within the first 10 transactions, for security reasons. Then Even when you try to contact them, you will be transferred just the right number of times to get you annoyed, plus they will ask for your card number everytime, and they will transfer without even confirming with you. try an avoid as much as you can. Reviewed on: 20th December 2018

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