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Jaja Finance : Credit Card reviews

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1.38
Based on 138 reviews, last reviewed 3rd Apr 2025
No new 5 star reviews
in the past 90 days
50% decrease in 1 star reviews
in the past 90 days
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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

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
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Dazzerdazn
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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 (138)

appalling

1
BOI transferred my card to this crowd. I had m BOI card for sixteen years. I never had an issue or a problem. My credit card was taken off my BOI app - I tried repeatedly to register with JAJA and the App simply would not recognise my details. I rang them three times to register - 45 minutes each time. I was told there was IT problems and that I would receive an email. I received nothing. I sent messages to BOI for a complaints email address for JAJA and was told it was nothing to do with them. I was left in a situation where I didn't know balance and how to pay it off as there is no physical presence NI. Just horrendous. I just the card up, transferred the balance and went elsewhere. Reviewed on: 26th October 2020
e murphy's avatar
e murphy

Bank of Ireland Transfer

1
B of I sold credit card services to JaJa. I was automatically moved over. I tried to register online but they did not recognise my number. I rang the helpline and was kept waiting for 15 minutes each time. The most annoying thing is the voice keeps telling me that I can use the online service which I can't. They have yet to sort the matter out now into second week. Very poor service. No email address to contact. Reviewed on: 25th October 2020
Victor Uprichard's avatar
Victor Uprichard

I would give this 0 stars if i could.

1
I would give this 0 stars if i could. Forced to use there servives by Post Office. Totally unable to register via app, website or phone. Totally unable to pay off my balance over the phone, i just wanted to pay it off and cancel the service. Unfortunately i can't. Reviewed on: 25th October 2020
Jakson Rounding's avatar
Jakson Rounding

So far happy as all went through smoothly

5
Just registered successfully from first attempt and downloaded the App. All went smoth, balance matches to expenses; added debit card payment through website (as been advised in Q&A section)-now it's shows on App too. Had choice of paying in full, minimum or other ammount. Payment went through but I'll be waiting to see it on App for 2-3 days as described in Q&A section. Regarding payment options- on the back of the paper bill which i received as usual- Bank/PostOffice included. Hopefully I'll be as happy with JAJA in a future as still expecting to receive new card as old one from Post Office expires soon. Reviewed on: 24th October 2020
Tom's avatar
Tom

Unable to contact and an app that doesn't work

1
On 3rd October, Jaja took over Bank or Ireland's credit card business. Just sign up for the app and all will be well - unfortunately the app won't let me (or a lot of others) register. I can't see my CC bill, The phone rings off every time you attempt to ring them. My only contact from them has been a letter acknowledging my complaint, warning of a potential 8 week wait! Bank of Ireland keep telling me that they are passing on my problem to Jaja, who ignore it. Run, don't walk, RUN from Jaja - if I ever get into their useless system I'll be cancelling my card. Reviewed on: 22nd October 2020
Stephen's avatar
Stephen

No response

1
Spent hours on the phone eventually someone answered but the action they promised hasn’t happened. . Emailed customer services no answer. Registered a complaint - no acknowledgement or response. They blame Covid for slow response but the Post Office didn’t have the same problem. Jaja customer service is terrible Reviewed on: 21st October 2020
Steve's avatar
Steve

Appalling customer service

1
They say you can do almost everything on app - you can't and delay to do anything is ridiculous. Will be closing account as soon as they out everything's in order. Reviewed on: 20th October 2020
Fedup's avatar
Fedup

JaJa is a joke!

1
Forced move from Post Office Credit Card (never had a problem with them). Jaja is a joke! No customer service AT ALL! A glitch in their systems meant that I paid the balance off three times so now have a negative balance. I want a refund. I'm on a list for a callback, four days and waiting! I will be closing my account and getting another CC from a known provider. Barclays do a CC with zero overseas fees and cash withdrawals so that will be my next port of call. Reviewed on: 20th October 2020
Stellan's avatar
Stellan

Unsure, but changeover easy

4
I wasn't aware of the changeover to Jaja, however I signed in straight away on their app and paid my balance. Very easy and straightforward. I imagine there's a few who will drop through the cracks, but overall seems ok. Did try to phone customer service and didn't get through though after 20 mins of waiting. Reviewed on: 19th October 2020
Mr Evans's avatar
Mr Evans

No answer after 6 hours

1
Just had this foisted on me by the Post Office. Had a fraudulent transaction on the card, tried phoning but 3 times I held on for 2 hours each time. Useless, will cut up the card Reviewed on: 16th October 2020
Val Berry's avatar
Val Berry

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