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Jaja Finance : Credit Card reviews

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1.45
Based on 135 reviews, last reviewed 7th Oct 2024
100% decrease in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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2%
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1%
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1%
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90%

Latest highest rating:

5

Jaja credit card is an excellent choice for those lo... Jaja credit card is an excellent choice for those looking for a straightforward, no-nonsense credit card with a strong digital platform. Its ease of u... Read more Reviewed on: 3rd June 2024
J H's avatar
J H

Latest lowest rating:

1

Very bad experience,my credit card is being closed b... Very bad experience,my credit card is being closed before l even use it. I called them and they said my account is under investigation. Reviewed on: 7th October 2024
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SC
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About this product

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! But if you want to learn more about this mobile first credit card, make sure you read what our Smart Money People community have to say. Alternatively If you're a Jaja Finance customer, why not leave your very own JaJa Finance credit card review below and let others know what you thought.

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Jaja Finance Credit Card reviews (135)

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

Surreal

1
Had PO credit card for years,low interest and fee free overseas.This was a MasterCard and the assurance was that TC would be honoured.Having had serious issues with Barclaycard buying up credit card account,I cleared the entire P.O. card balance before the takeover. I have been able to log in the app and have a card but......I won't be using it.It's now Visa so that's a change,my interest rate has gone up (apparently they have sectioned off PO customers into different levels/areas).I read the TC on the app and it seems the fee free overseas is not a certainty. I don't know what the advantages of this card are. The app selling point has been overtaken by others and there has been no effort to try and provide reasons to have the card. The stories online are disturbing,I can't see how easy it will be for a company to recover from such negativity. I have cancelled my P.O. direct debit and not opened one for Jaja.The card is unactivated in a drawer. Reading the company background online is quite interesting. In sum I won't be using it and my very best wishes to those enmeshed in this chaos.I hope the Ombudsman will be of some help. Reviewed on: 26th November 2020
Llygodenfawr's avatar
Llygodenfawr

A really poor service

1
I have been a happy PO customer for many years but since the change to Jaja I have not been able to log into my account where it won't accept my credentials, the customer service is simply awful with unacceptable wait times and their telephony system keeps cutting you off. I have no confidence in this company and cannot wait to cancel my credit card if only I could get through to someone to deal with this. Why would anyone want to deal with a company that has zero customer service? Reviewed on: 25th November 2020
Kevin Haywood's avatar
Kevin Haywood

Shame 0 isn't a option

1
Avoid, a total disgrace. Customer service is a laughing stock Reviewed on: 20th November 2020
Tony's avatar
Tony

don't consider

1
have issues with this company for weeks and they cannot resolve a simple issue can't wait to get rid of them Reviewed on: 20th November 2020
Noel Bradley's avatar
Noel Bradley

If i could rate them zero I would

1
I made a payment on jaja app and it displayed a message saying this payment has not been successful. I tried again and the payment was not taken . I logged into my current account and realised that jaja took double payment for a totals of £ 775 on 30th October. I have been in contact with your customer service team several times, and every time I was told that the extra payment would be refunded to my current account. After 20 days , no payment has been transferred. I am now £387.55 out of pocket and jaja is not taken my financial difficulties into account. The business is not behaving fairly, the communication from your customer service lack of knowledge , your staff is not trained to assist your customers, as well as long waiting time to get through an agent , the lines are extremely busy. I have been lost out financially, and you are not looking to put me back in the position I would have been if you had not taken the extra money I got to pay for my monthly living costs, this means that I am experiencing reduced living standards due to the impact that jaja business’s mistake is having on me. Your business mistake is causing financial loss and material inconvenience, as well and emotionally distress. I will definitely refer my complaint to the Financial Ombudsman Service (FOS). This is a regulated business that shouldn’t be operating in the UK ,they are breaching the rules and committing market abuse. PLEASE AVOID IT . Reviewed on: 20th November 2020
Elena 's avatar
Elena

Pity I cannot award zero stars - useless!!!!!

1
Existing Post Office credit card holder, required to re-register in order to use Java. Registration process falls over on PC. Works to a point on iPad. Final button to complete registration produces a message “this service is not currently available, please try again later.” Would I trust this lot with my money on this basis? Absolutely not! Reviewed on: 18th November 2020
Ted Ward's avatar
Ted Ward

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