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Post Office Credit Card

The Post Office credit card offers something quite unusual for its customers – a competitive standard rate for everyday spending and, for the bigger purchases, an even lower rate. The latter option is almost like a pre-arranged loan where you can have up to two purchases at a time (subject to terms and conditions) at a lower rate of interest.

How this works is that if you make a ‘big ‘purchase on your credit card – for example a TV – you pay for it as normal on your Post Office credit card and then give them a call. They should then be able to switch that particular cost to a lower interest rate and you have 12 months in which to pay it off!

The Post Office credit card has been a long time coming, as the Post Office has been offering other financial products, such as loans; equity bonds, premium bonds and other savings accounts; and, car, travel and home insurance - all for quite a while now.

And while there are around 16,000 Post Office branches nationwide, in most cases you don’t even need to go into a branch, you can apply online for many of their products and services.

There are three types of Post Office credit cards, designed to meet an individual customer’s needs. Overall benefits of the Post Office credit cards include:

No Interest Credit Cards : charity credit cards ... low interest credit card wisely and it can save you hundreds or thousands of dollars each year ... reserve board is the most objective source of this information

Internet Credit Card : credit cards services ... greatly reduce any benefits you would have gained during the initial period ... rule, the lower the apr (which is the annual percentage rate), the less interest you will be charged

Charity Credit Card : lowest rate credit card ... apply for credit cards that do not offer a grace period ... cash back credit cards on websites to ensure that you don’t miss out on better aprs and rewards