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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.35 (139 reviews)

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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

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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.

Jaja Finance Credit Card reviews (139)

Review of the Jaja Finance, 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 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

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 [email protected] so we can investigate this further for you. Kind Regards, Jaja Team Response date: 28th June 2021

False credit report

This company is the pits. I have top whack credit ratings with 3 other companies. Applied for an asda card, got refused, will not be shopping with asda again. Reviewed on: 11th December 2023

Poor credit decision will not explain why.

False Credit Report. I have 3 Credit Score from. Transunion 622 out of 710 Experian 999 excellent and NatWess 622 out of 710 all Good. They would not give me the reason why. Credit Report does not work when you put the cursor on the green dots. Asda losing customers will not shop at Asda anymore. Reviewed on: 13th November 2023

JaJa Appalling record/Fake Reviews

Please note, the positive reviews on JaJa on TrustPilot are fake. They are known to be written by JaJa. JaJa are renowned as having acquired an extremely poor reputation from customers. Customers cannot access their cards and accounts and are then locked out. JaJa falsely claim to send codes to customer phones. These codes are NEVER received as JaJa routinely informs customers that they DO NOT have an account. Customers have had to close their accounts with Bank of Ireland because of JaJa and JaJa arrogantly refuses to engage with customers. Ever since they took over Bank of Ireland Credit Card service, they have caused absolute chaos and misery for most if not all customers. Read the negative reviews for truthful experiences. Reviewed on: 4th October 2023

Great travel credit card

JaJa is great credit card with no hassle in uk or abroad where exchange rates are fair. Customer service polite trained and care. Reviewed on: 31st May 2023

What a let down

Really dissapointed to find my card being closed down but this is what you expect these days. I was thinking about signing up to ASDA but thet are Jaja so they won't be getting my custom Reviewed on: 1st April 2023

Closing my account

For no apparant reason my account is being closed. Poor customer service, don't touch them witha barge pole Reviewed on: 31st March 2023

Card Closing

No ‘thank you for being a customer’ , apology or real explanation as to why the card is being withdrawn. Not the way to demonstrate good customer service. I suggest that anyone who has a card with JaJa seeks a new card straight away and looks carefully at the card provider when applying - if it’s a JaJa card then walk away. Reviewed on: 31st March 2023

Very poor

Having been with Post office for many years it was transferred to Jaja. Today giving no reason other than they are withdrawing the product and with no alternative offered I have received an email saying my account is to close in June. My son has also received the same email. Appalling! Reviewed on: 29th March 2023

discontinued my account

I was transferred from a PO credit card to JaJa several years ago . I had no problems and liked the app However for no good reason they have discontinued my credit card from June Reviewed on: 28th March 2023

Card withdrawn

Having originally been with the Post Office credit card for over 15 years and then being made to transfer to Jaja in Oct 20, they have now withdrawn my card. I always pay off the full amount each month, They say that this product is being withdrawn- but no reason is given and certainly no apology or explanation. 2 months notice given. I have never had very good service from Jaja and would not recommend it to others. But since it now ceases to exist no point in any one applying for a Jaja credit card Reviewed on: 17th March 2023

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