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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)

On hold endlessly for confusing information and no answers

I've had this card for a while and use it for purchases abroad and joint purchases. Don't remember particular problems before , (but don't remember last time I used it either..) Yesterday I went to buy a new item online, got the dreaded Mastercard securecode page, filled in all my details, was asked to CREATE a passcode... authorisation then failed. This 3 times over. I gave up and used my Santander card (also Mastercard), verified the purchase with OTP, worked seamlessly, thanks Santander! I was keen to know why I had such a problem with the post office card, so I rang them today. First time I gave up after 12 minutes on hold, second time I decided to stick it out, and after 13 minutes of their blaring and irritating hold music (at 2.15pm so should be a quiet time...?) I got Maeve, who didn't seem to understand what I was saying and told me repeatedly that I had entered the wrong passcode while I told her repeatedly how I had been ASKED TO SET UP a passcode during the transaction. She then indicated that my card had been locked.. and said I could go through the set up a passcode process again the next time I purchase. Frankly I'm not too keen to go through that entire rigmarole again so I asked if I can set up the password directly with the post office - she said no, you need to set it up on the mastercard securecode site, which will be the first thing that comes up in a google search. It's not - instead I get a whole bunch of infomation pages touting securecode, none of which allow me to do anything meaningful, and I am not one step forward. On the basis of this, I may just avoid using the post office card again, it's not worth the hassle, the massive amount of time waiting on hold to speak to someone who doesn't seem to know what's going on, and the likelihood of the whole thing being repeated next time I try to use the card. Marks for ease of use - MINUS 10! Reviewed on: 15th October 2018

Rip-off Card. Charges extra credit interest months after the transaction.

Also poor customer service (see above) and you will wait forever for an agent on the phone. I pay off my PO platinum card in full each month but they have a sneaky way to charge interest on cash withdrawals in the month after the full amount and all charges are paid. I will be cancelling my card as soon as this is sorted out. Reviewed on: 10th October 2018

Horrifically slow and bad service undoes the 0% overseas rate

Like the 0% charge on overseas..but then they proactively blocked my overseas purchase because it seemed suspicious (which is odd given they market this for overseas purchases). This then dragged me into their customer service which never answered my call. So ended up having to use my other card to get the transaction done which defeated the whole purpose of the 0 fee on overseas. This has happened multiple times. Reviewed on: 5th October 2018

customer service, still waiting, on hold, 32 mins as of now

card itself is good for purchases abroad but getting to customer service is a night mare Reviewed on: 3rd October 2018

Poor application process

Went online to apply for one of there credit cards used the pre check to see if I would be approved and it came back saying that I was 9.5 out of 10 of being accepted so I carried on with the application and submitted it to then be told we need to see your last 3 months bank statements to see your income before i can issue you a card I have never had this before with any other credit cards so I go to the bank and get them and post them as there's no other way as they are still running in the stone age ! Then I get a letter about 10 days later saying the bank statements that I sent were no good as only my surname is on them so what a waste of my time now i have gone and got a search on my credit file for nothing if you try ringing you will be waiting a long time I just gave up. Went to another credit card company gave me an £1500 limit straight away and 0% Balance transfer for 36 months. Reviewed on: 17th August 2018

a right cowboy outfit

Post office been with them over 20 years had no defaults and paid up on time if not before time , asked to up credit limit and was declined no reason give , I suspect its because I have paid up all the time and they are not making any money out me , a credit card is needed for most car hire abroad of which i needed it for , as prepay credit cards , debit cards are not taken , so the post office has now ruined the propect of holidays abroad with there petty minded ways , I will now be canceling the card and going to a reputable banking establishment than using a crooked firm as the post office , and boycock the post office completly rip podt office Reviewed on: 17th July 2018

Over charging rip off!!

ZERO STARS!!! BEWARE!!! Since Febuary 2018 I have made the min payment every month on time. Despite my balance reducing each month the interest charged increased as did the monthly payment. For example, the interest in March was £106.48 then £115.11 in April. In May it was £103.03 and then in June £105.16. The min payment in March was £164 and then £172 in April and £175 in May. When I rang customer service to ask how I can be charged higher interest and payments each month on a reducing balance they could not explain, even after the representative agreed with me that it wasn't what she'd expect and asked her manager for advice. They are now sending me a letter which will, apparently, explain the inexplainable. I've had credit cards for 25 years and no other company increases charges like this. Reviewed on: 11th July 2018

Terrible customer service

Agent was not listening to me when I was giving my details had to repeat myself a number of times. Robert didn’t know basic facts on my account then answered with offers for balance transfers are not on the account have been removed until the new financial year. Once Robert had got his facts straight after supposedly speaking with his manager he processed my request. I then asked exactly how much was the charge he replied with the percentage. I asked well could you tell me that in the actual pound figure he replied I’m not able to give Financial advice and said need to get a calculator and work it out myself. Reviewed on: 3rd April 2018

Excellent card & customer service

No fuss, high credit limit and long 0% on purchases. Customer service have always been friendly and helpful - got an additional card with no fuss. Easy! Reviewed on: 6th November 2017

Good card but not great customer service

It’s been a great card in terms of having 30 month Interest free and the app being easy to use but their customer service isn’t great. I accidentally changed my direct debit from minimum payment to balance in full. I phoned to explain and they told me the refund would be back in my account within 5-10 days. It took 3 phone calls and 18 days to finally receive a cheque from them which then took another 5 days to clear. 23 days is a long way away from 5-10 and I got no apology. Reviewed on: 3rd November 2017

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