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Post Office: Credit Card reviews

Name: Credit Card
Rating: 2.16 (106 reviews)

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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

19%

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

Latest lowest rating:

1

Unable to open any account with them Unable to open any account with them Reviewed on: 23rd April 2025

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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:

On hold endlessly for confusing information and no answers

I've had this card for a while and use it for purchases abroad and joint purchases. Don't remember particular problems before , (but don't remember last time I used it either..) Yesterday I went to buy a new item online, got the dreaded Mastercard securecode page, filled in all my details, was asked to CREATE a passcode... authorisation then failed. This 3 times over. I gave up and used my Santander card (also Mastercard), verified the purchase with OTP, worked seamlessly, thanks Santander! I was keen to know why I had such a problem with the post office card, so I rang them today. First time I gave up after 12 minutes on hold, second time I decided to stick it out, and after 13 minutes of their blaring and irritating hold music (at 2.15pm so should be a quiet time...?) I got Maeve, who didn't seem to understand what I was saying and told me repeatedly that I had entered the wrong passcode while I told her repeatedly how I had been ASKED TO SET UP a passcode during the transaction. She then indicated that my card had been locked.. and said I could go through the set up a passcode process again the next time I purchase. Frankly I'm not too keen to go through that entire rigmarole again so I asked if I can set up the password directly with the post office - she said no, you need to set it up on the mastercard securecode site, which will be the first thing that comes up in a google search. It's not - instead I get a whole bunch of infomation pages touting securecode, none of which allow me to do anything meaningful, and I am not one step forward. On the basis of this, I may just avoid using the post office card again, it's not worth the hassle, the massive amount of time waiting on hold to speak to someone who doesn't seem to know what's going on, and the likelihood of the whole thing being repeated next time I try to use the card. Marks for ease of use - MINUS 10! Reviewed on: 15th October 2018

Unable to open any account with them

Unable to open any account with them Reviewed on: 23rd April 2025

Very helpful and efficient also available 24 hours a...

Very helpful and efficient also available 24 hours a day Reviewed on: 19th April 2025

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

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

Good notifications, communication, fair

Good notifications, communication, fair interest and easy to apply Reviewed on: 30th May 2024

As a basic credit card it's fine, I am trying to re...

As a basic credit card it's fine, I am trying to re build my credit score and got accepted with a very low limit. Use this and pay it back on time and it's seems fine. No perks or rewards obviously, so as a starter/rebuilding credit card its a good option. Reviewed on: 27th April 2024

Prior to credit card arrival , I tried contacting cu...

Prior to credit card arrival , I tried contacting customer service , what a waste of time !!! No one answers the phone and cuts you off . You never speak to anyone , The post Office and Capital One have the same problem, based on this I wouldn’t recommend to anyone . Reviewed on: 6th April 2024

scammed for £30

Applied for 12 month interest free card.. than got charged interest.. so basiacally got scammed for £30 before I closed the account! Reviewed on: 1st April 2024

Random request for id

After having the post office credit card for 8 months and using it regularly I received a letter saying that I needed to send the proof of my id BY POST within 60 days otherwise they would cancel my card. 3 days after receiving this letter my card was blocked and I was unable to access the funds, 18 days before Christmas. I tried reasoning with customer service but after a few seconds of silence on their end they hung up the phone!! I did not swear or raise my voice. I shall be paying off my balance now and closing my account, appalling service and demands. Reviewed on: 7th December 2023

Repayments take forever

I have a post office credit card, when I make repayments it takes an absolute age to show in my available balance... I also have a Zable credit card, when I make a repayment it is immediate, no messing ....... Why on earth can't the post office due this .... it's unacceptable, where does the money go for 4-5 days ...space ! Reviewed on: 23rd November 2023

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