Write a review

Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.14 (104 reviews)

View other Post Office products

2.15

Based on 104 reviews, last reviewed 9th Oct 2024

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

18%

61%

Latest highest rating:

5

Very easy to communicate with and an easy to use... Very easy to communicate with and an easy to use app Reviewed on: 23rd August 2024

Latest lowest rating:

1

Customer service is so bad trying to change address... Customer service is so bad trying to change address no email, no phone,you have to do it by post & royal mail are so bad at getting post delivered Reviewed on: 9th October 2024

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 (104)

Review of the Post Office, Credit Card:

Fairly Productive

Credit facilities provided by Post Office are simply not beneficial as it always the barest minimum limit you get however the services are simply straight forward. Reviewed on: 8th July 2022

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

Terrible customer service

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

Fab

Amazing insurance and never had a problem Reviewed on: 12th September 2017

Easy, efficient, and handy

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

Foreign holiday helper

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

Poor customer service and difficult complaints procedure

Card is ok if you want to avoid foreign transaction charges. Major issue if you have a problem. Whilst the customer service folks are polite enough, they just really stick with their scripts. I have a dispute on a transaction and the procedure is painful. My advice, pay the foreign exchange fee and get decent service if there is a problem as I have never had issues with other providers as I have with this one. Reviewed on: 5th August 2017

Credit Card Dispute

If you intend to use when abroad - 100% recommend If you require customer service - it's non existent. I paid a substantial deposit for a new kitchen fitting - the Company has gone bust - 5 phone calls each in excess of 35 minutes 1 letter mailed over 2 weeks ago no progress . Cannot speak to anyone, email anyone - it is a joke, how this bank is allowed to operate in this manner is beyond me AVOID AT ALL COSTS if you are likely to need any customer service How this bank is allowed to operate in this manner is beyond me Reviewed on: 24th July 2017

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

News, guides and insight from our team

View resource hub

Post Office: Credit Card reviews

100% decrease in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Post Office Credit Card reviews (104)

Fairly Productive

Over charging rip off!!

Terrible customer service

Excellent card & customer service

Good card but not great customer service

Terrible customer service

Fab

Easy, efficient, and handy

Foreign holiday helper

Poor customer service and difficult complaints procedure

Credit Card Dispute

Do you have a different Post Office product?

There's still more to see!

Join Smart Money People

News, guides and insight from our team

UK money news stories - 24 July 2024

Your Money, Your Voice: Have your say

Our latest research - customers see little impact of FCA's Consumer Duty one year on

Consumer credit awards winners 2024