You will find lots of reasons why you should get a charge card, from distributing the expense of a purchase to rebuilding your credit history. With the postoffice Vintage charge card responsibly could increase your credit score, giving you make your payments on some time stay under your borrowing limit. Maybe perhaps Not doing this can harm it.

Capital One could be the lender that is exclusive issuer of all of the brand brand new postoffice charge cards, which is why postoffice will act as credit broker.

Why can I submit an application for a postoffice bank card?

Compare our credit cards

We realize that everyone’s needs are very different, but we additionally understand that too choice that is much be confusing. So we’ve got two charge cards to provide you with freedom: the Vintage Credit Card plus the Travel bank card. You are able to compare them below:

Timeless Charge Card

19.9% to 34.9per cent (variable) array of APR based on specific circumstances

ВЈ200 – ВЈ8,000 borrowing limit

You may qualify for 0% on acquisitions for approximately 12 months*

You might qualify for 0% on stability transfers for as much as 18 months (2.9% transfer cost)*

34.9% APR representative variable

Travel Credit Card

19.9% to 24.9per cent (variable) variety of APR according to individual circumstances

ВЈ500 – ВЈ6,000 borrowing limit

Globally accepted in over 70 million Mastercard

No exchange that is foreign once you invest abroad**

24.9% APR representative variable

QuickCheck – Our credit card eligibility checker

Determine if you’re entitled to one of our bank cards utilizing QuickCheck. Share some details we will identify the best Post Office Credit Card for you with us and.

Won’t affect your credit rating


60 response that is second

100% certainty before you use

Current clients

If you certainly one of our cards, you’ll log into your online portal and complete lots of tasks, like checking your balance, borrowing limit, present transactions and much more.

Charge card FAQs

Well, putting it simple, credit can be an arrangement where you purchase products or solutions now however you accept spend later on. Credit will come in numerous shapes that are different sizes including mortgages, loans, overdrafts and charge cards. Generally in most instances, you will need to spend an agreed quantity right right right right back every with interest month. Whatever credit you decide on, it is important to maintain with your repayments that are monthly.

a borrowing limit is the most that one can owe for a credit card. Your investing (including transfers of balance and money withdrawals) and any costs, interest or costs being added should never go beyond this borrowing limit. You may be charged an overlimit fee if it does.

QuickCheck is a totally free and easy-to-use device to check always your eligibility for credit cards before you use. You answer a questions that are few then, within 60 moments, you’ll get a assured ‘yes’ or ‘no’ before you use. It is a terrific way to learn as it uses what’s known as a ‘soft search check’ and can’t be seen on your credit report by anyone other than you and the credit reference agency who provide your score whether you can get credit without impacting your credit rating. Therefore it won’t be noticeable to any kind of loan providers or anyone you’re that is else to.

So that you can make an application for credit cards, you must have a few items of information at hand. This can consist of your details when it comes to past 2 yrs, information regarding your work and earnings, and just about every other bank cards you have got should you want to move balance.

Through the date you might be accepted it will simply take between 7-10 trading days before you decide to could have your charge card.

Your PIN will show up first and separately from your own charge card.

Then we’ll tell you that if you’ve been accepted straight away. Similar goes in the event that you’ve been declined. Many applications take more time to consider and, in those cases, we’ll be in touch within 7-10 company times with details.

You are able to register to look at your card as well as your bank card status on line. When you’ve got your bank card, you can easily put up your online servicing really just. Just follow this website website website link.

If you’re maybe not near a pc, you might download our software – supplying the exact same solutions from your own smartphone or tablet.

You won’t manage to cancel your card with your servicing that is online account our application once we have to run through a few details.

Therefore if you would like shut your account, please provide us with a call and we’ll simply take you through most of the actions.

Our application can be acquired on iOS and Android os and you may install it from their respective stores that are app. You’ll get yourself a 6-digit passcode that you’ll want to enter to sign in. When you’ve done this, the following can be done by you:

Whenever a cash is taken by you away from a gap when you look at the wall, there’s a charge of £3 or 3percent regarding the worth associated with the withdrawal (whichever could be the bigger amount). When the withdrawal seems on the account, we’ll charge a fee interest at your money price.

Advance loan charges are not restricted to money withdrawals at cashpoints. Cash loan charges additionally affect other deals such as for instance gambling internet sites, purchasing foreign exchange at a bureau the alteration and money withdrawals whenever abroad.

Charge cards and money can seem somewhat complex, therefore it’s crucial to read through the conditions and terms of one’s credit contract very closely

In the event that you’ve got the charge card application, you could get a reminder of your PIN. You’ll need certainly to enter the CVV rule through the straight straight straight back of your card – therefore it’s a good notion to memorise this too!

If you don’t have the software or wish to contact us straight, you are able to deliver us a protected message on your own Online Servicing and we’ll send a reminder by post. This may simply just take 3-5 business days – when you require your PIN on the go, the way that is quickest of having a reminder is always to install the software.

Well, in a nutshell, nearly anywhere. You will find 74 million locations global where you could utilize Mastercard® (offering you’ve got a qualified card) and you may make use of it online too.

You may withdraw money but know that you will find costs connected with doing therefore – make sure you realize these before you go to a money point.

You’ll would you like to work as quickly while you realize that your card was lost or taken, together with way that is quickest to report it is utilizing the postoffice application. When you’ve exposed it, the ‘My Card’ area shall explain to you the web link to adhere to.

It is possible to contact us. This might be additionally a way that is quick report your missing card.

Don’t use the protected texting solution in the app or online portal as it can certainly just simply take our customer care representatives so long as 2 trading days to react.

In case your card quantity begins with 5545 or 5425, call 0345 607 6500. Lines open 9am to 7pm to Friday and 9am to 2pm on Saturdays monday. They’re closed on Sundays and bank vacations.

If it is away from hours you need to use our automatic self-serve choices, including to create a repayment. Or log on to manage your on line account right here

Should your card quantity begins with 5185 you are able to contact us on 0344 481 0902. Lines open 7am to 9pm Monday to Friday and 8am to 5pm on Saturdays and Sundays. Lines are open as always on British Bank vacations.

Away from hours you should use our automated self-serve choices. Or log on to manage your internet account.

A one-time password is a safety measure to make certain it is undoubtedly you that is making a deal. We’ll deliver you a text or offer you a call that is automated provide you with an original rule to make use of.

Are you entitled to a postoffice bank card?

Always check now

Fine print

MastercardВ® and also the Mastercard expression are registered trademarks of Mastercard Overseas Incorporated.

Capital OneВ® is really a trademark that is registered of One. Postoffice Limited is an appointed representative of money One (European countries) Plc that will be authorised and controlled by the Financial Conduct Authority. Money One (European Countries) Plc Registered Workplace: Trent Home, Facility Street, Nottingham NG2 3HX. Registered in England and Wales (No. 3879023). VAT Registration Quantity 690686101.

*We don’t charge a non-Sterling deal cost once you invest abroad. Money withdrawal costs will use.

**Fees and terms are susceptible to your circumstances that are individual may vary from those exhibited.