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  • FIRST POST
    • ForeverAwake
    • By ForeverAwake 29th Aug 17, 9:43 AM
    • 32Posts
    • 6Thanks
    ForeverAwake
    Post Office/Bank of Ireland card - don't go there
    • #1
    • 29th Aug 17, 9:43 AM
    Post Office/Bank of Ireland card - don't go there 29th Aug 17 at 9:43 AM
    Applied for Post Office card after getting 90% chance on their eligability and I wanted fee free for abroad

    Sent in verified documents by my bank like they asked.

    4 weeks in total for a decision.. declined today by underwriters. It appears they make you jump through hoops - and that's before credit checking you.

    Bank of Ireland.. an absolute nightmare

    Just applied for Halifax Clarity instead.. accepted with £3k and card on its way, this will suit me down to the ground for my holiday spending

    My advice.. do not bother with Post Office or AA credit cards. I should of listened to all the complaints about them on this forum. Much better options out there, it's 2017 and not worth the hassle.
Page 1
    • wiseonesomeofthetime
    • By wiseonesomeofthetime 30th Aug 17, 3:41 PM
    • 88 Posts
    • 41 Thanks
    wiseonesomeofthetime
    • #2
    • 30th Aug 17, 3:41 PM
    • #2
    • 30th Aug 17, 3:41 PM
    Sorry to hear your predicament, however, I have been a Post Office (BOI) credit card holder for over two years and, other than no contactless feature, have had no issues with the application process or its use.

    Better luck elsewhere.
    • Anonymously
    • By Anonymously 30th Aug 17, 4:19 PM
    • 9 Posts
    • 2 Thanks
    Anonymously
    • #3
    • 30th Aug 17, 4:19 PM
    • #3
    • 30th Aug 17, 4:19 PM
    My experience has also been good with them,
    • NBLondon
    • By NBLondon 30th Aug 17, 4:31 PM
    • 1,386 Posts
    • 7,074 Thanks
    NBLondon
    • #4
    • 30th Aug 17, 4:31 PM
    • #4
    • 30th Aug 17, 4:31 PM
    I've had a Bank of Ireland Gold Card for at least 10 years with no issues. Maybe it's the Post Office element that's the problem?
    This Be the Verse - Philip Larkin. The first line that everyone knows.
    • Heng Leng
    • By Heng Leng 30th Aug 17, 5:41 PM
    • 4,100 Posts
    • 1,254 Thanks
    Heng Leng
    • #5
    • 30th Aug 17, 5:41 PM
    • #5
    • 30th Aug 17, 5:41 PM
    They are a joke - you've been let off lightly.
    • wiseonesomeofthetime
    • By wiseonesomeofthetime 30th Aug 17, 7:41 PM
    • 88 Posts
    • 41 Thanks
    wiseonesomeofthetime
    • #6
    • 30th Aug 17, 7:41 PM
    • #6
    • 30th Aug 17, 7:41 PM
    They are a joke - you've been let off lightly.
    Originally posted by Heng Leng
    Care to expand and share your experience with others?


    What element of the business upset you?
    • jonesMUFCforever
    • By jonesMUFCforever 30th Aug 17, 9:34 PM
    • 23,997 Posts
    • 11,305 Thanks
    jonesMUFCforever
    • #7
    • 30th Aug 17, 9:34 PM
    • #7
    • 30th Aug 17, 9:34 PM
    This is like any public forum - one person slates the service one or two others join in but the tens of thousands of satisfied customers don't post.

    Must admit the posts about their ID criteria has put me off applying for their card.
    What goes around - comes around
    give lots and you will always receive lots
    • Alexd52
    • By Alexd52 31st Aug 17, 12:06 PM
    • 144 Posts
    • 78 Thanks
    Alexd52
    • #8
    • 31st Aug 17, 12:06 PM
    • #8
    • 31st Aug 17, 12:06 PM
    This is like any public forum - one person slates the service one or two others join in but the tens of thousands of satisfied customers don't post.

    Must admit the posts about their ID criteria has put me off applying for their card.
    Originally posted by jonesMUFCforever
    Read about this a lot recently, is this something that has been adopted by them within the last couple of years? I got one about 3 years ago and didn't have to provide any more info than any other CC provider.
    • bizzo1065
    • By bizzo1065 7th Sep 17, 3:10 PM
    • 8 Posts
    • 2 Thanks
    bizzo1065
    • #9
    • 7th Sep 17, 3:10 PM
    • #9
    • 7th Sep 17, 3:10 PM
    I had a similar experience to the original poster.

    Applied recently on the basis of a high probability on the eligibility score. I did not have to jump though hoops thankfully, but instead got a decline letter by post after a few days.
    • Heng Leng
    • By Heng Leng 7th Sep 17, 5:19 PM
    • 4,100 Posts
    • 1,254 Thanks
    Heng Leng
    Care to expand and share your experience with others?


    What element of the business upset you?
    Originally posted by wiseonesomeofthetime
    Their application process and card admin was awful, their internet banking was like a ZX Spectrum etc etc

    I'm not upset but wouldn't touch any BOI products with a barge-pole.
    • fozmcfc
    • By fozmcfc 8th Sep 17, 10:17 PM
    • 2,994 Posts
    • 2,182 Thanks
    fozmcfc
    I got a Post Office card, without needing to send documents in 2-3 years ago.

    Also had 2 or 3 repeat 18 month, balance transfer offers from them after the initial 0% purchase period ran out.

    I find the app, quick and easy also, although it is a bit limited and you do have to enter card details, each time you want to make an additional payment.
    • Dandytf
    • By Dandytf 10th Sep 17, 1:29 PM
    • 764 Posts
    • 300 Thanks
    Dandytf
    I have to accept some responsibility, my card has been with Sc since 2012.
    sc dmp 2012 13k

    Jan 2017 7380 paid. 50% ish...
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