Post Office Credit Card Review
Overview
Apply online today. There is no paperwork to follow and we'll give you an answer right away. You could be enjoying your four times more rewarding card in as little as 6 days.
To apply online you'll need:
- current bank account number details
- income and employment details
- current address/addresses for the last 3 years
- credit card details for any balance transfer
Up to 56 days for Purchases if you pay your statement balance, plus the minimum payment due on any Payment Plans, in full and on time every month. The 0% introductory rate on your Balance Transfer and Purchases applies only during the introductory period.
Who can apply?
You Do not need to have a full time job. Provided you're eligible. If you don't have a full time job – for example, if you're retired, put this on the form together with your income (including pensions). also To qualify for our Platinum credit card, you must earn over £20,000 a year. A gross annual income of £8,000 a year may qualify you for our Classic card.
Credit Card Application Process?
The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions. You will get a reply in 60 seconds
credit card helpline on 0800 169 2000 is open 8am to 10pm Monday to Friday, 8am to 6pm Saturday, and 10am to 5pm on Sunday and Bank Holidays.
What are the benefits of Post Office Credit Card?
Exclusive four
- 0% on balance transfers* for the first 10 months**
- 0% on purchases for the first 3 months
- 0% commission on purchases overseas
- 0% again on balance transfers for 5 months* on the month of your 1st and 2nd anniversary
- free purchase and fraud protection
What are the credit card charge rates?
Card issue fee Free
Typical APR Rate Typical 15.9% APR variable.
Intro Offers 0% balance transfers* for first 10 months** 0% again on new balance transfers for 5 months* in the month of your 1st and 2nd anniversary
Annual renewal fee Free
Default Charges?
A cross-border fee of 0% will be applied to any Transactions taking place outside the UK.
Each Balance Transfer is subject to a fee of 2.75%.
A fee of £5 will be applied for providing a duplicate statement.
Unpaid Direct Debit or cheque £12.00. Over credit limit £12.00. Late payment £12.00.
What is the minimum payment I need to make each month?
The monthly minimum payment will normally be made up of the greater of 2.5% of the outstanding balance on your account (as shown on your statement) or £5.00, or the outstanding balance if less than £5.00, plus any monthly payment under the Payment Plan Programme. If you fail to make the monthly minimum payment on 2 consecutive occasions, any Payment Plan may be terminated and the Eligible Amount will revert to the variable standard rate of interest which would have applied but for the transfer to the Payment Plan.
Optional PAYMENT PROTECTION INSURANCE?
- just 45p a month for every £100 you owe (you don't pay if your balance is clear)
- minimum payment met if you're ill or injured
- covered for redundancy (employed) or if your business fails (self-employed)
Where do i make a Complaint?
However, if you are not satisfied with the outcome of your complaint, you can write to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Please contact Customer Services on
08457 22 33 44
.
You can call the number anytime,
8.15am - 6.00pm Monday to Friday
8.30am - 7.00pm Saturday
Your right to cancel?
Once you have signed, you will have for a short time a right to cancel this agreement
under the Financial Services (Distance Marketing) Regulations 2004.You can do this by sending or taking a WRITTEN notice of cancellation to Post Office Card Customer Services Post Office Customer Care Freepost PO BOX 740 Brampton Barnsley S73 0UF
If you cancel this agreement, you will still have to repay any money lent to you. But if you repay all of it before your first payment is due, you will not have to pay interest or other charges.
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Main Features
The Post Office Credit Card or Post Office 2in1 credit card, Review for more information on the Post Office credit card and other leading UK credit cards.
Issued By:
Post Office Ltd is an an appointed representative of Bank of Ireland which is authorised by the Irish Financial Regulator and the Financial Services Authority; regulated by the Financial Services Authority for the conduct of UK business. Bank of Ireland, incorporated in the Republic of Ireland with limited liability, Registered in England and Wales with branch number BR000459. Post Office Ltd. Registered in England and Wales number: 2154540. Registered Office: 80 Old Street, London, EC1V 9NN
Disclaimer All credit card APRs, features, charges, benefits and other information listed by Compare Prepaid represent the most recent information available at the time of writing. Every effort is made to keep the site accurate, however we cannot guarantee that a credit card issuer has not increased or decreased one or more of the APRs or fees/charges associated with a particular card or changed its features, obligations or benefits. Please be sure to read the Post Office credit Card agreement fully and carefully before making any agreement.