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Post Office: Credit card reviews

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2.30
Based on 112 reviews, last reviewed 20th Feb 2026
100% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
21%
See only 4 star reviews
8%
See only 3 star reviews
4%
See only 2 star reviews
7%
See only 1 star reviews
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
BD's avatar
BD

Latest lowest rating:

1

Post Office Credit card con Applied for a post office credit card, stated I would get interest free for 6 months on balance transfer, Just got my first statement from capital one... Read more Reviewed on: 20th February 2026
Anthony's avatar
Anthony
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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 (112)

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

Poor customer service and difficult complaints procedure

1
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
Andrew's avatar
Andrew

Credit Card Dispute

1
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
Charles Carter's avatar
Charles Carter

Great for travel.

5
Applied for this card for trips abroad as the deal and ease of use seemed so easy. Haven't been disappointed! Reviewed on: 29th June 2017
Dave Morgan's avatar
Dave Morgan

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