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Jaja Finance : Credit card reviews

View other Jaja Finance products
4.81
Based on 2,525 reviews, last reviewed 21st Apr 2026
215800% increase in 5 star reviews
in the past 90 days
800% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
87%
See only 4 star reviews
7%
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1%
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0%
See only 1 star reviews
5%

Latest highest rating:

5

Overpayment refunded same day -- I made a wrong payment, I called in and my query was passed to the Payments team -- Following their investigation, i had the overpayment back in my ba... Read more Reviewed on: 21st April 2026
Rich G's avatar
Rich G

Latest lowest rating:

1

Very excellent and impressive and value to money Very excellent and impressive and value to money Reviewed on: 17th April 2026
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Haider
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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.

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Jaja Finance Credit card reviews (2525)

Post Office or Jaja? Nobody knows!

1
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
Debs's avatar
Debs

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

1
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
StanB's avatar
StanB

Inaccessible, unhelpful and now locked out of my card

1
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
Charlie's avatar
Charlie

Rather unprofessional

2
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
Terence's avatar
Terence

Worst experience - WOULD NEVER RECOMMEND

1
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
LB's avatar
LB

worst experiance ever

1
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
Paul Atkinson's avatar
Paul Atkinson

Poor if any security

1
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
Rod's avatar
Rod

Worse and Worse.

1
My PO Card personal details passed to a new, start up company without my permission. Is that allowed under Data Protection rules? JaJa= 'Yeah,Yeah'. PO and AA card business bought for £530 million from Bank of Ireland by a Norwegian group. Not been operating long but the CEO just stood down. Hope I get my overpayment back before it goes bust. Don't feel it has much of a long life. Trust Pilot reviews show more detail. Update 11th November. Been waiting for nine days for £569.69 (paid the bill twice) overpayment to be reimbursed. PO Card was only used for foreign travel but if it doesn't appear by 13th I'll run it off on household expenses before giving it the scissor treatment. Feel a bit concerned that JaJa may go TaTa if I wait too long. Reviewed on: 6th November 2020
DaveK's avatar
DaveK

Useless

1
Get out as soon as you can- appalling all round. Reviewed on: 4th November 2020
KH's avatar
KH

Worst company I have ever dealt with.

1
JaJa is absolutely the worst company I have ever dealt with. My post office account was transferred - and I have had nothing but trouble since. The website didn’t work, JaJa have therefore owed me money for 10 days. I have spent endless hours on hold, in phone queues, being given other numbers to ring - some of which were unobtainable. The on hold noise is awful static, scratchy, headache inducing, discordant, an awful thing to be forced to endure for hours and hours, day after day. Today I was told that customer service cannot send me an email because they have no email facility or address...... and it could be yet another 10 days until the money they owe me is back in my account. That will be 20 working days - IF it actually does happen then. Disgusting. Reviewed on: 2nd November 2020
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Jacqui Norman

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