For further information about the Horizon IT Scandal, please visit our corporate website

What is QuickCheck?

QuickCheck is a free eligibility checker that allows you to see whether or not you will be accepted for a Post Office Credit Card before you apply

It's straightforward to use

Just answer a few questions, then we'll perform a 'soft check' that’ll let you know if you'll be accepted when you apply for a credit card

It doesn't affect your credit score

You can see the 'soft check' on your credit file, but other lenders won't see that you've used QuickCheck, so it won't affect your credit score

It's quick and free

Once you've answered our questions, you'll get an answer within 60 seconds. Just pop your details in the tool and away you go

Representative example:

Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable 

Post Office credit card

Post Office Credit Card

19.9% to 34.9% (variable) range of APR depending on individual circumstances

  • £200 - £8,000 credit limit

  • You may be eligible for 0% on purchases for up to 12 months*

  • You may be eligible for 0% on balance transfers for up to 12 months (2.9% transfer fee)*

Why should I apply for a Post Office Credit Card?

  • Our credit card can be a way to make a balance transfer or pay for a one-off expense that’s larger than your normal outgoings. But lenders need to know that you’ll repay what you owe in a way that you can afford

  • Applying for a credit card and being declined can affect your credit score. But using QuickCheck before you apply doesn’t affect it, meaning that you are equipped with the information you need to apply with confidence 

  • Our credit card could help you build your credit score. As long as you always make your monthly payments on time and stay within your credit limit your credit score will improve. Not doing so could harm it


  • Some purchases are protected. Our credit card can offer financial protection for your purchases, under section 75 of the Consumer Credit Act 1974. If you buy something between £100 and £30,000 with your credit card and something goes wrong, you may be able to make a claim to either your supplier or your credit card provider

Need some help?

Credit cards help and support

Find answers to common questions about credit cards, and details of how to manage your account online:

Visit our credit cards support page

Small print

Mastercard® and the Mastercard Symbol are registered trademarks of Mastercard International Incorporated.
Capital One® is a registered trademark of Capital One. Post Office Limited is an appointed representative of Capital One (Europe) Plc which is authorised and regulated by the Financial Conduct Authority. Capital One (Europe) Plc Registered Office: Trent House, Station Street, Nottingham NG2 3HX. Registered in England and Wales (No. 3879023). VAT Registration Number 690686101.
Capital One is the exclusive lender and issuer of all new Post Office Credit Cards, for which Post Office acts as credit broker. Post Office Limited is registered in England and Wales (No. 2154540). Registered office: 100 Wood Street, London EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

*Fees and terms are subject to your individual circumstances and may differ from those displayed