Jaja Finance Reviews

  Ratings based on 108 reviews       Last review 3 weeks ago    

Jaja Finance offer a mobile first credit card, that they claim will change the face of credit cards forever. It's a pretty bold claim. So tell us if you agree or not. Let us know what you thought of this credit card built for your mobile by leaving a...

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Jaja Finance offer a mobile first credit card, that they claim will change the face of credit cards forever. It's a pretty bold claim. So tell us if you agree or not. Let us know what you thought of this credit card built for your mobile by leaving a Jaja Finance review on Smart Money people. Smart Money People is the place to go to read and write financial services reviews, which ultimately helps to deliver more trust and transparency within this industry.

Overall Rating

Poor

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Jaja Finance Review Insight

What are people saying in their reviews?

Culture & Values

75% of feedback is Process related

Customer profile

Top Age Profile: 55-64

Top Channel Preference: App

Jaja Finance Products 108

Credit Card

Poor

Having had a credit card with post office for years, I automatically got a jaja card. My credit limit was good and I used the card for small purchases. The app seemed easy to use but unfortunately when I used it to pay off my balance, it worked fine... Read more

Having had a credit card with post office for years, I automatically got a jaja card. My credit limit was good and I used the card for small purchases. The app seemed easy to use but unfortunately when I used it to pay off my balance, it worked fine or so I thought. It actually did not process my payments. This happened on three separate occasions and I was therefore charged for late payment. The paper credit card statement also showed details of the account to payoff my balance which also isn’t the actual account number to pay off your balance. In the end I called customer services and paid off my balance and closed my account. There are far better credit card providers out there in my experience.

Reviewed on 6th November 2021
Emma Plumb's avatar
Emma Plumb
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Reply from Jaja Finance

Hi Emma, We are very sorry to hear this has happened and we're sad to see you leave our services. Kind Regards, Jaja Team

Credit Card

Talking to a brick wall

Called up to request increase in credit limit. Told they don't take requests. Told they review files and offer credit limit increases in their own time Can't tell me whether/when my file is being reviewed.... Read more

Called up to request increase in credit limit. Told they don't take requests. Told they review files and offer credit limit increases in their own time Can't tell me whether/when my file is being reviewed.

I then asked if they had up to date salary information, as my income is now >2x what it was when I opened the card 5 years ago. Told they don't collect salary information.

Really poor and will be cancelling as soon as mortgage application complete.

Reviewed on 14th October 2021
RH123's avatar
RH123
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Reply from Jaja Finance

Hi, We are sorry to hear this has happened and would advise emailing reviews@jajafinance.com as we are eager to resolve this for you. Kind Regards, Jaja Team

Credit Card

no communication

I got an email to tell me my payment was overdue, no email to say when it was due, just after the event to tell me they had taken £14 for nothing. No means of contacting them. Didnt download the app as it has a 1* rating. so trying to do it online, ... Read more

I got an email to tell me my payment was overdue, no email to say when it was due, just after the event to tell me they had taken £14 for nothing. No means of contacting them. Didnt download the app as it has a 1* rating. so trying to do it online, aargh. the statement is so tiny I cant read it, I have to download it to see it. Cancelling as soon as I can get hold of anyone.

Reviewed on 5th September 2021
Joanna Hogarth's avatar
Joanna Hogarth
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Reply from Jaja Finance

Hi, Thank you for contacting Jaja. We apologize for your experience. If you require assistance please email reviews@jajafinance.com. Kind Regards, Jaja Team

Credit Card

Unbelievably bad service failures and major errors. 1st CS respondant was unable to retrieve back correspondence from Jaja to me from their system.

40 minutes (!) for transfer to manager A***, despite my polite clarity before the original agent's repeated holds that a manager was necessary. Jaja had previously offered £15 (£50 my bid; d... Read more

40 minutes (!) for transfer to manager A***, despite my polite clarity before the original agent's repeated holds that a manager was necessary. Jaja had previously offered £15 (£50 my bid; declined).

Never had any problems ever with other issuers or Jaja's Post Office credit card predecessor. Jaja are blocking/ unblocking my card. Jaja requested postal id; then wrote this was no longer needed. But card blocked yet again (reason?!). No compensatory credit to my a/c was yet made though verbally promised in last call some months ago after 1st block/ unblock/ confusion/ complaint. Despite clearing then debt in full and asking they retain enough of my overpayment, am now racking up a modest 2 figure balance in ?fees or interest that I cannot even pay to clear despite wishing to. So really worse than HOPELESS.

2nd complaint logged by A***, but shan't hold my breath.

Reviewed on 19th August 2021
David H's avatar
David H
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Reply from Jaja Finance

Dear David, We are sorry to hear you have had a poor experience thus far with this issue. We hope the 2nd complaint that has been logged will result in a resolution that you can be satisfied with. Regards, Jaja Team.

Credit Card

Appalling and frustrating

Lack of knowledge and difficult to get any answers, even from a 'supervisor'! AVOID

Reviewed on 29th July 2021
Summer Sunshine's avatar
Summer Sunshine
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Reply from Jaja Finance

Hi Summer, Thank you for leaving a review. Please email reviews@jajafinance.com so we can investigate this for you. Kind Regards, Jaja Team

Credit Card

Useless

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! Well if next generation means it doesn't work and a terrible service than it's a true claim! Trustpilot has 54% of 1 star comments while 60% are 3 star or below! I... Read more

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! Well if next generation means it doesn't work and a terrible service than it's a true claim! Trustpilot has 54% of 1 star comments while 60% are 3 star or below! I am giving up on them!

Reviewed on 24th July 2021
Mike's avatar
Mike
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Reply from Jaja Finance

Hi Mike, We are sorry to hear you are dissatisfied with the service we are offering. We are keen to help if there are any issues that can be resolved for you - please email reviews@jajafinance.com if so and we can see what we can do. Kind regards, Jaja Team

Credit Card

Completely Useless - Don't trust them.

They said that for security purposes, they had to take a small amount from my card, after which they would send a code, which I could use to get a refund. They took £1, but no code ever arrived. Then I got a bill for the outstanding pound. I tried ... Read more

They said that for security purposes, they had to take a small amount from my card, after which they would send a code, which I could use to get a refund. They took £1, but no code ever arrived. Then I got a bill for the outstanding pound. I tried to pay it via a debit card, but it would not allow me to register the card. So I sent a BACs payment from another bank. This took four days to appear in my Jaja account. I filled in their on line complaints form about 5 days ago, but have not even received an acknowledgement. I would close my account, but from what I've heard, this is well-nigh impossible. They a rubbish.

Reviewed on 21st July 2021
John Howard's avatar
John Howard
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Reply from Jaja Finance

Hi John, Thank you for taking the time to leave a review. We apologise for your experience and would advise emailing reviews@jajafinance.com so we can investigate this further for you. Kind Regards, Jaja Team

Credit Card

Security Shambles!

Be aware if you try to call up to close your account they will ask for the FULL password. Do not reveal your password - it goes against all security protocol. This is a good example of why I am now an ex customer

Reviewed on 17th July 2021
Red's avatar
Red
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Reply from Jaja Finance

Hi, Thank you for taking the time to leave a review. We're sorry to hear you had a negative experience with our customer service team. This is not how we wish our customers to feel and we are sad to see you leave our services. Kind Regards, Jaja Team

Credit Card

Avoid, avoid, avoid - zero stars

This is the quite simply the worst credit card company ever. I only became a customer because my Post Office account was transferred to jaja. I have a credit balance of over £3,500 on my account after a transaction refund and have tried for several ... Read more

This is the quite simply the worst credit card company ever. I only became a customer because my Post Office account was transferred to jaja. I have a credit balance of over £3,500 on my account after a transaction refund and have tried for several months to get it refunded to my bank account. I have called multiple times and keep being told lies about when it is being refunded. I am still waiting and there is no end in sight. Do not use this company - they are appalling.

Reviewed on 13th July 2021
JM's avatar
JM
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Reply from Jaja Finance

Dear JM, We are very sorry to hear that you have had this experience, and we would like to bring this issue to a close to your satisfaction. Please send us an email via reviews@jajafinance.com so we can look into this for you. Kind regards, Jaja Team.

Credit Card

AVOID AT ALL COSTS!!!

AVOID AT ALL... Read more

AVOID AT ALL COSTS!!!
Didn't have too many problems with my Post Office credit card until Jaja Finance Ltd took over.
They began taking my direct debit payments twice and placed a charge on my credit card to pay me back one of the duplicate payments I am owed.
Invested lots of hours into trying to get this money back over 10 months and they now appear to be ignoring the county court.

Reviewed on 1st July 2021
Glenn Richardson's avatar
Glenn Richardson
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Reply from Jaja Finance

Hi Glenn, We are sorry to hear this has happened and would advise emailing reviews@jajafinance.com as we are eager to resolve this for you. Kind regards, Jaja Team

Credit Card

Cannot Register On-line

I was transferred from the Post Office, which had always been very efficient. I have been trying all day to register on-line, so that I can change my address. Every time I go through the entire registration process, I get to the end and a message... Read more

I was transferred from the Post Office, which had always been very efficient. I have been trying all day to register on-line, so that I can change my address. Every time I go through the entire registration process, I get to the end and a message comes up 'This service is currently unavailable. Please try again later'. If it does not work tomorrow, I will be cancelling the card, instead of changing address! Extremely poor service, which I do not need when moving house!

I did use their suggested contact, they asked for proof of my new address, but no comment on the difficulty of registering on-line! I pointed out that, as I had only moved house 3 days ago, I did not have any bills as proof yet. In frustration, I told then to just cancell my card ..... low and behold, the first efficient action, I got an email, confirming that they had cancelled my account! My advice to anyone considering using a Jaja Credit Card is to make the most of this efficient aspect of their service.

Reviewed on 26th June 2021
MikeHereford's avatar
MikeHereford
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Reply from Jaja Finance

Hi Mike, Thank you for taking the time to leave a review. We apologise for your experience and would advise emailing reviews@jajafinance.com so we can investigate this further for you. Kind Regards, Jaja Team

Credit Card

Worst Finance provider of the Century!

I have tried to open a complaint with them 2 months ago after a fraud on my card which they failed to block or to replace the card (happened after 20 emails and in-app messages after 3 months!) and spoke to a customer service rep on the phone after... Read more

I have tried to open a complaint with them 2 months ago after a fraud on my card which they failed to block or to replace the card (happened after 20 emails and in-app messages after 3 months!) and spoke to a customer service rep on the phone after they told me numerous times that I'm not a customer which he responded with his own complaints of the management and did not raise my issue!

Reviewed on 14th June 2021
Sina's avatar
Sina
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Credit Card

Do not use Jaja

Worse experience of my life dealing with Java and their complaints department haven't a clue! They took over from the Post Office card which was excellent but Jaja are a complete and total disaster in every way!

Reviewed on 10th June 2021
Annie's avatar
Annie
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Reply from Jaja Finance

Hi Annie, Thank you for taking the time to leave a review. We apologise for your experience and would advise emailing reviews@jajafinance.com so we can investigate this further for you. Kind Regards, Jaja Team

Credit Card

Terrible company. Avoid at all costs

Nothing but terrible customer service since they took over my Post Office Credit Card. Took 3 attempts to get the account closed, and now money has been refunded to it (from a cancelled holiday) that I can’t get because I “failed security” ! I didn’t k... Read more

Nothing but terrible customer service since they took over my Post Office Credit Card. Took 3 attempts to get the account closed, and now money has been refunded to it (from a cancelled holiday) that I can’t get because I “failed security” ! I didn’t know the exact month the account was opened (which was about 12 years ago for crying out loud). Just an awful company to deal with, the sooner I can get my money back and never have to deal with them again, the better....

Reviewed on 11th May 2021
Stuart Murphy's avatar
Stuart Murphy
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Reply from Jaja Finance

Hi Stuart, We apologise for the delay in response. We advise emailing reviews@jajafinance.com as we are eager to resolve this for you. Kind Regards, Jaja Team

Credit Card

New card. Impossible to activate

Like others has transferred to PO. Unable to log on and also got asked non sensical questions about previous transactions even though it’s a new card. I’ve now been told I’ll be called back in 7 days. I will be asking them to close my account. I’ve jus... Read more

Like others has transferred to PO. Unable to log on and also got asked non sensical questions about previous transactions even though it’s a new card. I’ve now been told I’ll be called back in 7 days. I will be asking them to close my account. I’ve just opened another account with a different provider in the last 10 minutes

Reviewed on 11th May 2021
Kate Eggington's avatar
Kate Eggington
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Reply from Jaja Finance

Hi Kate, We apologise for the delay in response. We are sorry to hear you had difficulty activating your card. This is not how we wish our customers to feel. We will take on board your comments so we can continue improving the service we provide our customers. We are sad to see you leave our services. Kind Regards, Jaja Team

Credit Card

Shambles - charged a late payment fee on zero balance

NEVER use this company - awful service since taking over from PO. flaky app, terrible customer service and last straw since having my credit card moved from the Post Office to JAJA charged a late payment fee, on a zero balance despite DD being set up... Read more

NEVER use this company - awful service since taking over from PO. flaky app, terrible customer service and last straw since having my credit card moved from the Post Office to JAJA charged a late payment fee, on a zero balance despite DD being set up and unchanged for over 10 years. No apologies but thankfully have now cancelled. Awful business

Reviewed on 10th May 2021
Kristian H's avatar
Kristian H
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Reply from Jaja Finance

Hi Kristian, We apologise for the delay in response. We are sorry to hear you've had a negative experience. This is not how we wish our customers to feel. We will take on board your comments so we can continue improving the service we provide our customers. We are sad to see you leave our services. Kind Regards, Jaja Team

Credit Card

Awful Service

I had a Post Office card which moved to Jaja. They issued a new card which I never used, but the DD stayed the same. I managed to pay the outstanding amount off with the advisor on the phone telling me that nothing more is owed and the full balance... Read more

I had a Post Office card which moved to Jaja. They issued a new card which I never used, but the DD stayed the same. I managed to pay the outstanding amount off with the advisor on the phone telling me that nothing more is owed and the full balance has been cleared.
2 months later I received an email saying I owe money!?
Basically they didn't close my account, nor advise me that there was £8.94 outstanding from somewhere and they were charging interest.
CALLS ARE RECORDED and I asked them to listen to my previous call when I paid everything off; I assumed they did because I was put on hold for 10mins.
In the end I was led to believe that the Ccard account hadn't been closed and I still them money. I have never even activated the Jaja card. I reluctantly paid because nobody would help. I told the advisor I would hit every social media channel and review. They still wanted the money.

Reviewed on 5th May 2021
Gerrard Yates's avatar
Gerrard Yates
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Reply from Jaja Finance

Hi Gerrard, We apologise for the delay in response. We are sorry to hear you had a negative experience with our customer service team. This is not how we wish our customers to feel. We will continue to improve our services to create better experiences going forward. Kind Regards, Jaja Team

Credit Card

Another month and more demands arrive.

Since this Mickey Mouse Company took over the Post Office cards its welcome to La La Land. Avoid at all costs.

Reviewed on 29th April 2021
David Eyles's avatar
David Eyles
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Credit Card

Horrendous Service

Card not working and when you call up they ask nonsensical questions such as is it activated, when they are looking at my account and I've been using it previously. Still can't use card and cannot speak to anyone to get it resolved.

Reviewed on 27th April 2021
Me's avatar
Me
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Credit Card

Losing the will to live

Would you believe it after 7 days I got a call from JaJa security department. They would not tell me why my card and account had been blocked until I answered a few security questions one was details of transactions on my account. Has my account had... Read more

Would you believe it after 7 days I got a call from JaJa security department. They would not tell me why my card and account had been blocked until I answered a few security questions one was details of transactions on my account. Has my account had been blocked I explained this was difficult so asked for my account to be closed. Your account can not be closed until you are able to answer the security questions. I would like to meet Mr Chan the current CEO to see which planet he lives on.

Reviewed on 12th April 2021
John Fernaly's avatar
John Fernaly
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