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Post Office: Credit card reviews

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2.30
Based on 114 reviews, last reviewed 16th Apr 2026
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
21%
See only 4 star reviews
9%
See only 3 star reviews
4%
See only 2 star reviews
7%
See only 1 star reviews
59%

Latest highest rating:

4

Awesome experience so far no complaints. Awesome experience so far no complaints. Reviewed on: 16th April 2026
Emeka Alum's avatar
Emeka Alum

Latest lowest rating:

1

I send them my original driving license for verifica... I send them my original driving license for verification purposes but they lost my driving license Reviewed on: 5th March 2026
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Rabib Huda
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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 (114)

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

Abysmal customer service and jigerry pokery

1
This card may be useful in certain circumstances,but when a problem arises and you need to contact customer services it is painful and distressing.They are very curt and dismissive in their answers and the impression left is very unfavourable.I would not recommend anyone to use a post office credit card,and if you have one pay off whatever you owe on it then introduce to a sharp pair of scissors.I give it one star because without that input I can,t submit this review. Reviewed on: 24th June 2017
Anonymous's avatar
Anonymous

Abysmal customer service and jigerry pokery

1
This card may be useful in certain circumstances,but when a problem arises and you need to contact customer services it is painful and distressing.They are very curt and dismissive in their answers and the impression left is very unfavourable.I would not recommend anyone to use a post office credit card,and if you have one pay off whatever you owe on it then introduce to a sharp pair of scissors.I give it one star because without that input I can,t submit this review. Reviewed on: 24th June 2017
Anonymous's avatar
Anonymous

Appalling customer service

1
Customer service centre is unwilling to help with queries. They just read from a script and won't give a straight answer to a question. I have a good income, no debts, pay off my card in full every month but can't get a small increase to my limit for a one-off purchase. Apparently I'm not eligible for an increase because there are 'no offers on' but they won't tell me why I'm not eligible. Reviewed on: 13th June 2017
Phil Gandy's avatar
Phil Gandy

post office credit card

5
Very clear, concise and forthcoming in saying what's on offer. Never had issues and feel like I'm a valued customer Reviewed on: 8th June 2017
graham hughes's avatar
graham hughes

Great for travelling

4
We got the post office credit card specifically for holiday. It gave 3 month 0% on purchases and no fee for using abroad. Just make sure you pay it off before the initial rates go up Reviewed on: 30th May 2017
Kimberley Miles's avatar
Kimberley Miles

Great rate credit card

4
Great rates, easy to use, good customer service. The app could be improved with a few extra features but overall a good choice Reviewed on: 30th May 2017
Nefen savage's avatar
Nefen savage

Rubbish customer service

1
The customer service is shocking - the automated system very difficult to use. Unfriendly call Centre staff - too many processes and they cannot help at all Reviewed on: 24th May 2017
Anonymous's avatar
Anonymous

The card fines you money for their software glitches and lack of instructions

1
I tried to use Post Office Credit Card from Bank of Ireland for their money transfer offer. If you type the wrong card number into the transfer box, the transfer is cancelled but they still charge you for the loan - £98 in my case. If their setting for how much money to take by direct debit fails, which it does on Windows XP / Firefox or Chrome, then they attempt to collect the full amount after month one. When the payment is refused, they fine you £12. There's no warning or communication - you can't tell it has happened. I discovered that there was zero balance on my card and thought "that's odd" and tried to find out why. Then the balance appears again with the £12 fine. When the balance re-appears, it has another £12 fine added for late payment. I managed to get that one reversed. Now , Bank of Ireland have just fined me £24.28 for "purchase interest" on a free balance transfer offer. You might ask how this reviewer has time to write a review but not to read the small print, but, believe me, I have tried. There's a lot of standard stuff on the back of the pdf statement that doesn't quite answer the questions, there is I think some online Fujitsu web software that doesn't always work, and there is the option of being phoned-back after a day or two. Summery: they make their money by fines. Avoid. Reviewed on: 16th May 2017
John Robertson's avatar
John Robertson

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