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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)

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

rubbish

I Applied for post office credit card. the eligibility checker said i was most likely to be accepted so made hard application, and the answer was vague. Ddnt get turned down but was asked to provide copy of photo i.d and a bill, so i sent that to them, and a couple of weeks later was then turned down? Even though according to experian and equifax I had a 90 per cent chance of getting the card and my credit rating is above average. But If they are going to turn you down, why not right away rather than all this send passport copy and a bill , which are important documents. AND it has brought my credit rating down, by applying for it as well. So i will not forget that. And in future rich or poor i will not touch the post office finances with a barge poll, and urge people to avoid them Reviewed on: 19th November 2018

Sneaky fees

If you go over your limit even slightly, you'll get charged £12 twice. Once for the month in which you went over, and once for the next month (since you won't be told you're over until after the deadline to miss the next fee). Reviewed on: 15th November 2018

Appalling!!!

I have received a man arrears letter every month despite my husband and I putting a substantial amount in every month. I set up a direct debit with them only to find money wasn’t being taken and when I eventually set up my standard order the money kept being returned. I am exasperated and I will never ever recommend post office credit card to anyone!!!! Once I have settled my debt I will cancel this and never return. Appalling!!! Reviewed on: 9th November 2018

Simply awful customer service!

They blocked my account for not remembering my online password despite me doing a password recovery. Customer services refuse to answer the phone and play awful music down the phone. A truly horrific experience. Based on their non existent customer service, I certainly would not recommend them to anyone. Reviewed on: 24th October 2018

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