Write a review

Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.35 (139 reviews)

View other Jaja Finance products

1.45

Based on 139 reviews, last reviewed 15th Apr 2025

100% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

90%

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

Latest lowest rating:

1

My card was used fraudulently in November 2024 and I... My card was used fraudulently in November 2024 and I am being treated like a criminal, they have blocked my App access and because I didn't know my se... Read more Reviewed on: 3rd April 2025

Read all reviews See your review

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.

Jaja Finance Credit Card reviews (139)

Review of the Jaja Finance, 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 am giving up on them! Reviewed on: 24th July 2021

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 [email protected] if so and we can see what we can do. Kind regards, Jaja Team Response date: 27th July 2021

don't consider

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

If i could rate them zero I would

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

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

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

Post Office or Jaja? Nobody knows!

In July 2020 we tried to pay our Post Office credit card account. We couldn't. Had to go through Jaja. "We're nearly ready to go" emails coming in. Could not access the new Jaja app. Could not get a statement from either post office or Jaja. After many lengthy phone calls still nothing. No app, no statement, no new card, no use, no where! 7th November 2020 received the statement from Jaja. Great, paid. Happy days. Oh hang on a minute, 9th November £12.00 late payment fee! More lengthy phone calls. Paid off and cancelled account. DO NOT GO NEAR THIS CREDIT CARD. You're welcome. Reviewed on: 16th November 2020

JaJa are a shambles ... don't get involved.

JaJa 'customer service' are useless, don't solve any problems, just hollow promises. Tried for over 4 hours in total on the phone to cancel my card and close my account, ended up with the 'lost and stolen' department, they said they would send a letter and email to confirm my account was closed. Still waiting after 2 weeks for that. I've stopped my direct debit. Don't trust them. Why oh why did the excellent Post Office card sell out to this useless lot ? The FCA should shut them down. Reviewed on: 16th November 2020

Inaccessible, unhelpful and now locked out of my card

As a long time PO CC holder I have enjoyed excellent service for nearly 10 years. Spending most of my time overseas, the cards utility for overseas transactions has been a huge part of my financial planning. JAJA will not recognise my credentials, so I cannot log on to my account and their "helpline" is anything but helpful! Most recently, I apparently failed a security answer check on one such conversation with a customer service agent (probably because I have no account access!!??), they didn't tell me this however but promptly blocked my card for 'security reasons'. I have now been waiting for 7 days for the "Specialist Team" to contact me to unlock my card - it is a total disaster, and incompetence on a scale I have never before seen with a CC company! Terrible! Reviewed on: 16th November 2020

Rather unprofessional

I have been a Post Office credit card holder for years. I use it mostly during frequent trips to France as it is fee free for abroad use. I have always paid the full balance every month by direct debit. I received an email from PO stating credit card business had been sold to Ja Ja (who?). I was told to keep using card as normal which I did with no problems. What bothered me was lack of communication & information about the change. More recently I received an email from Ja Ja stating that if I paid by dd then no action was required. I was told new app was ready so I put it on my iPad & registered no problem. Last payment under Post Office name was taken in September Full balance paid off as usual. The first payment with Ja Ja on my dd in October only took out £17 despite a balance of over £1000. It also stated on the app that minimum payment on due on Nov 17 would be £18. It appeared that Ja Ja was possibly intending to take just minimum payments & then charge interest although no interest charges are showing on the app at the moment. I rang their customer services. I got through no problem but the automated voice was muffled & difficult to understand & I was somewhat bothered by the attitude of the individual I spoke to. He acted as if he did not really know the job. I told him that only a minimum payment had been taken & not the full amount. He just agreed with me but did not offer a solution. I told him I was not really happy with this & he just agreed with me. There was no real point in continuing the conversation & I told him I was thinking of closing my account & he just said ok. He told me I needed to ring another number to do that. There was no attempt resolve any of the issues I had raised. So I decided to cancel my direct debit as I no longer trusted Ja Ja to have access to my bank account & to pay my balance with my debit card. The app offered facilities for debit card payment but when I attempted it I just got a sign stating that this payment facility is unavailable. So I decided to pay by bank transfer. The app offered this & gave their sort code & acc no & required my credit card number as reference. I successfully did the bank transfer & cleared my balance. 3 days later & the app still shows the balance as owing. I rang customer service again. At least the operative confirmed that payment had been received but could offer no explanation as to why the app had not updated. The sum total of all that in my view comes across as an overall unprofessional setup which does not give me confidence to use so I will not be using them again. I suppose it matters little whether I close the account or not as I am now square with them. Direct debit is cancelled & I shall no longer use the card. Reviewed on: 13th November 2020

Worst experience - WOULD NEVER RECOMMEND

If I could give 0 stars I would. I was told that my credit card was moving from post office to JaJa way over a month ago and I am still unable to access my account. I have called 6 times and I have been told various different reasons as to why I cannot access my account, I have been promised a call back twice and I have also escalated my issue to the complaints team and I have still heard nothing! I am currently pregnant and the stress this is causing me is is so unfair! I am waiting for a statement, going to pay off this credit card and cut it up! Absolutely terrible service, would never ever in a million years recommend! Reviewed on: 10th November 2020

worst experiance ever

i was an old post office cedit card holder for years and was told that the card was to be replaced by a comany called JA JA Iam still waiting to be transfered over to them cant access my account because they dont reconise my details but managed to take my monthly payment !they have suspended my card even though i am not reconised .they are an absolute joke and will be so glad to recieve my monthly paper statement saying i owe nothing so i can cut it up and throw it away .in the process of getting on board with my banks credit card .A warning if you are thinking of getting a card from these guys DONT. Reviewed on: 9th November 2020

Poor if any security

After months of being told my Post Office card was being transferred to the new "Start UP" I received an email welcoming me to Jaja. They obviously now have all my personal details as they emailed me. But they wanted me to complete a new on line registration and so asked me to enter all my, personal, banking and credit card details over an open Internet connection. I do not even enter my basic card details into the web when making purchases, I will only use PayPal for on line transaction. Phoned them and eventually spoke to an operative and he said that is the way they do business for security, checking all my details. So am closing my account with Jaja. Reviewed on: 9th November 2020

Alternative products

Aquis Card
from Vanquis 4.44 from 41 reviews
Balance Transfer Credit Card
from Halifax 4.54 from 56 reviews
Credit Card
from M&S Bank - Marks and Spencer 2.61 from 178 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub