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Post Office: Credit card reviews

Name: Credit card
Rating: 2.23 (110 reviews)

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2.32

Based on 110 reviews, last reviewed 8th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase 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

Credit card put into credit!! Their credit card cannot be linked to my Apple Pay wallet. The physical card has to be used. Feels very 1970’s. Because I pay by DD they always take a... Read more Reviewed on: 8th November 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.

Post Office Credit card reviews (110)

Review of the Post Office, Credit card:

Great product but rubbish customer service and technology

Opted for a new Post Office Credit Card after seeing a very long 0% deal (24 months) which was, and still is great. However, they 'lost' my first payment back to them paid online and they issued a default payment to my account. After 4 very long phone calls with conflicting advice, they 'found' the payment and issued a refund of it but were only unable to remove the default after 2 more long phone calls. The App that is available for management of the account is also very poor, and requires reinstalling every few weeks. Overall, the deal available for the credit card is a good one, but should something go wrong the customer service and software they provide for managing the account are very poor.; Reviewed on: 14th November 2016

Appalling customer service

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

post office credit card

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

Great for travelling

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

Great rate credit card

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

Rubbish customer service

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

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

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

Fantastic service, easy to use.

I have had a credit card with the Post Office for almost 2 years. I love using the online login because I can check my balance at any time. It is easy to make payments with BACS on my bank account and the money clears very quickly. All statements are online - no paper - so great for the environment too. Would definitely recommend!! Reviewed on: 8th May 2017

Amazing Credit Card Company

Great for balance transfers and high initial credit limits Reviewed on: 24th January 2017

Balance Transfer Card

Very disappointing. Applied for and received balance transfer card with initial credit card limit in excess of £2500. HOWEVER , on receipt of the card my transfer limit was set at only £200 - no good to man nor beast! Reviewed on: 29th December 2016

So good

The long interest are period is so good for me Reviewed on: 9th December 2016

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