Smart Money People Logo
Share this page
Link copied

Post Office: Credit Card reviews

View other Post Office products
2.16
Based on 106 reviews, last reviewed 23rd Apr 2025
100% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
19%
See only 4 star reviews
8%
See only 3 star reviews
4%
See only 2 star reviews
8%
See only 1 star reviews
61%

Latest highest rating:

5

Very helpful and efficient also available 24 hours a... Very helpful and efficient also available 24 hours a day Reviewed on: 19th April 2025
Russell k's avatar
Russell k

Latest lowest rating:

1

Unable to open any account with them Unable to open any account with them Reviewed on: 23rd April 2025
Gemma M's avatar
Gemma M
Read all reviews See your review

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 (106)

Review of the Post Office, Credit Card:

Useless, unhelpful, inept and rude

1
Well, these cards are now provided by Bank of Ireland (another useless credit card company). I fully paid off my card, and then cancelled it. However, the operative I spoke with to cancel the card, didn't, and A YEAR LATER an automatic payment which I forgot about (now I take the blame for that) was taken off the card. I had moved house 3 times by this point (4 years later) so none of the letters came through to me. PO and BoI did nothing to help me, just wrote back saying they were every so sorry, and hope that I'm not upset by how it has worked out. BUT THEN they instantly sold this debt to another debt collection agency. Agressive greedy buggers, stay away from post office cc and from bank of ireland Reviewed on: 6th August 2020
Bob Sturgess's avatar
Bob Sturgess

Poor application process

1
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
David's avatar
David

a right cowboy outfit

1
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
mitac's avatar
mitac

Over charging rip off!!

1
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
Nick B's avatar
Nick B

Terrible customer service

1
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
Just me's avatar
Just me

Excellent card & customer service

5
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
Emma Hutchings's avatar
Emma Hutchings

Good card but not great customer service

2
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
Jordan Jarmain's avatar
Jordan Jarmain

Terrible customer service

1
The post office have the worst customer service I have had the unfortunate luck to come across. Their telephone assistance is downright disgraceful. Firstly they wouldn't let me tell them I was intending to go abroad unless I downloaded the app! I was on the telephone telling them but they refused to log it unless I downloaded the app. Secondly I made a balance transfer and this left my card in credit. I cut up the card and telephoned to advise them that I wanted to refund the credit and close my account. Simple you would think. Oh no , not with the post office. You need to ring list and stolen , order a new credit card , wait for it to come , register it , ring them back and cancel it then cut it up ! !! What a waste of time and money !!!! This must cost their company thousands and cause customers a head ache. No wonder my shares are dropping. The advisors don't let you talk to a senior , it's just a disgrace. Unless you have lots of time and patience I wouldn't bother with this company it's awful Reviewed on: 22nd September 2017
Julie's avatar
Julie

Fab

5
Amazing insurance and never had a problem Reviewed on: 12th September 2017
Yasmin Walmsley's avatar
Yasmin Walmsley

Easy, efficient, and handy

5
I've been very impressed with my PO credit card. I got a long 0% deal, which was very useful at he time, and have found their service easy and efficient, quick to set up, and well organised. They have an app for your phone which makes it very easy to make payments, and keeps you informed of the figures and payments etc, and they also send an email once a month reminding you of payments due. Overall, easy and efficient - recommended! Reviewed on: 15th August 2017
Jane Chamberlain's avatar
Jane Chamberlain

Foreign holiday helper

3
I 've been using my post office card for years for my hols. Often give 0 per cent offers and also a great app. Reviewed on: 14th August 2017
Rosanna Howard's avatar
Rosanna Howard

Do you have a different Post Office product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

There's still more to see!

Post Office has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill