Post Office Money® | Matched credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 30 months
Purchase rate: 18.9%
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Post Office Money® | Matched credit card customer reviews

2.5 out of 5 from 39 reviews

Terrible customer service

08:33 22-09-2017

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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

Julie

Fab

11:50 12-09-2017

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Amazing insurance and never had a problem

Yasmin Walmsley

Easy, efficient, and handy

10:42 15-08-2017

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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!

Jane Chamberlain

Foreign holiday helper

19:40 14-08-2017

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I 've been using my post office card for years for my hols. Often give 0 per cent offers and also a great app.

Rosanna Howard

Poor customer service and difficult complaints procedure

13:22 05-08-2017

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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.

Andrew

Credit Card Dispute

19:10 24-07-2017

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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

Charles Carter

Great for travel.

16:26 29-06-2017

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Applied for this card for trips abroad as the deal and ease of use seemed so easy. Haven't been disappointed!

Dave Morgan

Abysmal customer service and jigerry pokery

15:56 24-06-2017

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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.

Anonymous

Abysmal customer service and jigerry pokery

15:35 24-06-2017

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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.

Anonymous

Appalling customer service

14:35 13-06-2017

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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.

Phil Gandy

Our review of Post Office Money® | Matched credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
58.2
Consumer sentiment
50.0

Total OPTIOSCORE
40.0/100

The Post Office Money Matched Credit Card does come with a representative APR which is fairly standard across competitors, but there are also a number of extra benefits that customers can take advantage of. The 0% applied to balance transfers for 27 months, as well as purchases for 16 months gives customers a chance to pay towards existing debts they may have transferred as well as keeping monthly payments to a minimum.

The management facilities for the Money Matched Credit Card are some of the best out there, and customers have complete control of their account, right down to being able to view and change their PIN number – something which is usually done over the phone, in writing or in branch for the traditional banks.

Looking at the OPTIOSCORE for the Money Matched Credit Card, the scores are average across the board. One thing to mention is that the Post Office has been named as a recommended credit card provider for Which?, and this was awarded in April of 2016. Although there are no online reviews specific to the money Matched Credit Card, the Post Office as a whole has a TrustPilot rating of ‘bad’, however, it does need to be kept in mind that this is for everything the Post Office provide, including their mail services. Looking in more detail at their financial-based reviews the customers seem to be particularly unhappy with the disorganisation, rude customer service team and being charged when it was not their fault.

Overall verdict: Although the Post Office might be thought of as just letters and parcels, they do actually have quite a wide product offering. They’re a trusted name and the Money Matched Credit Card has a decent representative APR and good financial benefits. A great option if you want complete visibility and control over your card.

Highlights

  • 0% interest on purchases for 27 months
  • 0% on balance transfers for 16 months
  • Buy travel money with no fee
  • Online shopping security
  • Manage account with mobile or tablet with the app

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have a current bank or building society account
  • You can’t have a Post Office credit card
  • You must be employed, retired or a homemaker
  • Your annual income needs to be over £8,000
  • No CCJs

About Post Office Money® | Matched credit card

The Post Office Money Matched Credit Card has a representative APR of 18.9% and a minimum credit limit of £1,000. The maximum limit that can be offered is decided by the Post Office and will take into account the applicant’s previous credit history and personal circumstances. Matched Credit Card holders can benefit from 0% on purchases for the first 27 months, as well as 0% on balance transfers for 16 months. To be eligible for these you will need to make a purchase or balance transfer within the first three months of opening the account.

There is no annual fee for the Matched Credit Card, but there is a fee of 2.75% on balance transfers. If you go over your credit limit or don’t pay on time, not only will you lose the privilege of the special 0% rates, but you’ll also incur charges of £12 each instance.

The account for the Matched Credit Card, can be managed over the phone, online or using the dedicated free Post Office mobile app. If you are going to manage your card online then you’ll be able to view your current balance, credit limit, payment due dates, make a payment, make a balance transfer and change your PIN.