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Jaja Finance : Credit card reviews

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1.38
Based on 141 reviews, last reviewed 2nd Sep 2025
100% decrease in 5 star reviews
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100% increase in 1 star reviews
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Latest highest rating:

5

New on the scene , easy to use app, decent credit li... New on the scene , easy to use app, decent credit limit , customer service could improve slightly Reviewed on: 15th April 2025
Kashif h's avatar
Kashif h

Latest lowest rating:

1

Bad experience with Jaja finance credit card This company had blocked my credit card and have not explained to me why they have done this. Its been 4 days that i have not been able to use the car... Read more Reviewed on: 2nd September 2025
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Darknight
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About this product

You can apply for a Jaja Vanta credit card in three steps online.

Manage your Jaja Vanta credit card account on the go using the app and keep track of how you're spending. Keep your account safe with security features like freezing your card.

Jaja Vanta credit card reviews help you find out what it’s really like to be a customer. If you’ve used Jaja before, you can also leave a review and share your experience.

Review Jaja Finance : Credit card now

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Jaja Finance Credit card reviews (141)

Beyond disgraceful

1
Made two payments approximately 1350 each. One didn’t show as gone through on app so I made again. To check I looked at my bank app & noticed both had been taken. I immediately called and was advised that one payment was reversed so all ok. Three days later both payments taken from my bank. Called again, waiting 30 mins on hold to be told by a female who sounded half asleep and as enthusiastic as a slug to call another number. This time I waited 40 mins & was cut off. I was furious... I felt after reading all the available reviews that my money was not safe and had no alternative to use the card quickly to use up the £1350 balance... something I didn’t want to do and has left me financially squeezed... I’m disgusted and astonished that what is supposed to be a highly regulated industry behaves in such a sloppy inefficient and almost criminal fashion. I consider the regulatory authorities a waste of time and subjected to lip service by crooks like these.. they also seem unfit for purpose... DO NOT UNDER ANY CIRCUMSTANCES CONSIDER USING JAJA FOR ANYTHING OTHER THAN PROMOTING STRESS & ANXIETY Reviewed on: 11th December 2020
David 's avatar
David

Move to a Company that cares about it's Customers

1
For anyone having problems contacting them call: 0333 016 4072 (direct number for their complaints tema) If the Jaja experience of making things smarter and simpler to do business is not cancel your account when they confirm, not to inform the Credit Agencies your account is closed and then not provide any level of customer or try to resolve the problems they cause then this is the new simple. Why this company has a credit licence, VISA allows them to issue cards with their brand and the regulators see them as a fit organisation to operate in the UK is beyond me. Reviewed on: 9th December 2020
David's avatar
David

Dont touch with a barge pole!

1
I am fed up ringing their number trying to cancel this account transferred from the PO. There is no way to contact them other than their CS number, which you spend ages on. Nothing ever comes of it just the same old nonsense. Banking Ombudsman is my next call. Reviewed on: 9th December 2020
Golo's avatar
Golo

Worst experience ever !!!

1
Former post office account holder taken over by JAJA, should read HAHA as this company is a complete joke. Paid £116 9 days before due date via the app, and get a £12 late payment fee on the due date. 45 minute phone call and jaja have no record of the payment, it’s ‘lost’ somewhere. Poor customer service and incompetent infrastructure. Financial Ombudsman informed. Reviewed on: 8th December 2020
Phil's avatar
Phil

Customer Services promise action but nothing ever happens

1
All I wanted was an additional card for a family member. I started the process in August and by December, after four calls to Customer Services, I still don't have it. None of their promises can be relied on; nothing they say ever happens. I have now closed my account, and it took a very long phone call to do that! Reviewed on: 8th December 2020
Trevor CH's avatar
Trevor CH

HOPELESS - how customer unfriendly can you get?

1
How can Bank of Ireland sell its Credit Card customer portfolio to nincompoops like this. As a happy customer for many years, I can’t wait to get rid. No e-Mail contact, no customer service to speak of plus random blocking of cards for little or no reason. I have spent hours waiting on the phone and a complaint to Financial Conduct Authority will be forthcoming. Reviewed on: 3rd December 2020
David Tebbutt's avatar
David Tebbutt

This company is a very bad joke !!

1
This company is a very bad joke. My wife and I were transferred to JaJa in October from Post Office Money, where we had been customers for several years without any problems.We are both in our 70's and because of the pandemic have been staying at home since March. To cope we set up a regular on-line grocery shop with a fixed delivery slot. Until the JaJa card arrived this had worked well. This week when my wife entered the order a prompt came up wanting to send a verification code - to either an email address or a mobile number. The app would NOT let us enter either of these - so no code which means no groceries this week !! Two calls to customer service (Saturday and Sunday). Reached the same person both times, who promised that he had resolved the issue - he hadn't. I asked for (demanded) that the call be escalated and that someone who knew what they were doing should call me back. There has been no call. A 3rd call from us today has finally managed to sort this problem but too late for us to order food etc. I guess we will now have to risk going to the supermarket, something we have successfully managed to avoid for almost 9 months. Tomorrow I plan to apply for a new card from a different provider, at which point we will stop using this useless item from Jaja. At the end of December they will send me a bill - and possibly one in January for a residual balance, after which we will hopefully have nothing more to do with them. Warn all your friends and family !! Avoid these clowns. Reviewed on: 1st December 2020
JB's avatar
JB

Terrible, clueless - best avoided.

1
Had to register for Jaja to pay off PO credit card balance. Made 2 payments so far, first payment went through O.K. The second payment left my account 9 days ago but haven't arrived. If you call Customers Services it is just one number and takes forever and nobody knows what to do and how to find the missing payment. They asked my to go back to my bank - the amount showing as leaving my bank account 9 days ago to Jaja Fianance but Jaja Finance are clueless. Money is still missing and showing as outstanding on my credit card. Dont know what to do. Reviewed on: 1st December 2020
Rollins Grace Grazyna's avatar
Rollins Grace Grazyna

Upcoming disaster

1
Was a loyal customer of Post Office Credit card which traded through the Bank of Ireland. Earlier this year I had a serious medical condition arise (heart) whilst abroad in Thailand, which meant an urgent return to UK. Airline (Swiss Air) charged me £1145 just to change the date of my paid for return flight. Post Office refused to reimburse this extortionate amount and did not even contact either the airline of the UK booking agent. They told me bluntly that they had decided not to pursue the matter at any level. David Chan is certainly in for a rough ride. Disgusted at such treatment, I cancelled my credit card. Today received a letter from JAVA welcoming me into their fold!!!!! No email address to contact them by (of course) so won’t even try to phone. Having now read the really awful reviews about JAVA, I am glad I’m away from both seemingly pretty useless companies. Please, everyone, be warned. Reviewed on: 26th November 2020
Fisher's avatar
Fisher

Upcoming disaster

1
Was a loyal customer of Post Office Credit card which traded through the Bank of Ireland. Earlier this year I had a serious medical condition arise (heart) whilst abroad in Thailand, which meant an urgent return to UK. Airline (Swiss Air) charged me £1145 to change the date of my paid for return flight. Post Office refused to reimburse this extortionate amount and did not even contact either the airline of the UK booking agent. Disgusted at such treatment, I cancelled my credit card. Today received a letter from JAVA welcoming me into their fold!!!!! No email address to contact them by (of course) so won’t even t Reviewed on: 26th November 2020
Fisher's avatar
Fisher

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