Smart Money People Logo
Go to business site
Share this page
Link copied

Jaja Finance : Credit card reviews

View other Jaja Finance products
1.37
Based on 141 reviews, last reviewed 2nd Sep 2025
No new 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
6%
See only 4 star reviews
2%
See only 3 star reviews
1%
See only 2 star reviews
1%
See only 1 star reviews
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
Kashif h's avatar
Kashif h

Latest lowest rating:

1

Bad experience with Jaja finance credit card This company had blocked my credit card and have not explained to me why they have done this. Its been 4 days that i have not been able to use the car... Read more Reviewed on: 2nd September 2025
Darknight 's avatar
Darknight
Read all reviews Write a review

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.

Review Jaja Finance : Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Jaja Finance Credit card reviews (141)

discontinued my account

1
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
davidghughes@doctors.org.uk's avatar
[email protected]

Card withdrawn

1
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with the Post Office credit card for over 15 years and then being made to transfer to Jaja in Oct 20, they have now withdrawn my card. I always pay off the full amount each month, They say that this product is being withdrawn- but no reason is given and certainly no apology or explanation. 2 months notice given.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
richard lewis's avatar
richard lewis

Run away from JAJA

1
Got a credit card from them and everything went wrong after that. They have suspended my account for no reason. They will not tell me why and its been nearly 3 months now. I am disgusted by their treatment of me. I have not broken any rules, stayed within my limit, and always pay on time. Please do not apply for a credit card with them. I have complained to the financial ombudsman about them. Reviewed on: 25th January 2023
Lorenzo Secco's avatar
Lorenzo Secco

worst ever

1
took out there asda credit card, got a small limit off £500 paid in full before due date each month, now frozen my account and will not tell me why! shocking company to deal with! Reviewed on: 21st November 2022
Paul Fyfe's avatar
Paul Fyfe

They have just increased their interest rate charged by 6.4%

1
I have never missed a payment and never been over my credit limit but they have increased my APR to 22.9%. Perhaps they think all their customers are mugs who will put up with anything. I wont Im closing my account. Reviewed on: 20th November 2022
Martin's avatar
Martin

Jaja refusing to honour balance transfer

1
In March i made a balance transfer to another provider aas i was sick and tired of Jaja service and how they calculate interest.and wanted to make use 0% charges and payments from another provider. They wrote to me to acknowledge this. So my balance was £215 which i wanted to pay off. A month later to my horror they have changed and reversed the amount for no reason. They say I owe £1800 and every month they put interest. In the meantime I have no problems with my new provider where I pay 0 percent interest. I called Jaja to seek clarification they had an inexperienced staff who knew nothing, the call lasted for an hour, failed to solve my problem, kept saying HSBC made a mistake. So if HSBC made a mistake why don't you direct me to the relevant department.She said they , her dept doesn't deal with this.Sihe kept pausing and going to ask her supervisor. I paid a fortune for this call. It was daytime and there was no need for her not to transfer me to the relevant department. She later said Jaja called me and I was not there. Is that reason why can't Jaja solve the problems as I no longer want to deal with them. I wrote to Jaja four times . In May, June , July and August. All letters were recorded. Up until this day Jaja charges me interest they shouldn't be doing. This has affected my credit ratings. My bank reduced allowances saying I couldn't afford!! Thanks to JAJA!!!!! Post office was taken overby Jaja. Post office had a good service. Jaja awful, it stinks, STAY AWAY FROM THEM. POOR CUSTOMER SERVICE. CONTINUE TO NAME AND SHAME UNTIL ITS BROUGHT TO ITS KNEES. Reviewed on: 27th August 2022
Dudu Radebe's avatar
Dudu Radebe

Terrible customer support

1
Do not apply to change to Jaja or become a new customer terrible customer service. I was tempted as a old Asda credit card customer that then changed to creation but no money back . So I thought ohhh I will apply and go back to a endorseAsda credit card and get money back with JaJa not so simple glad to day after reading very negative reviews . Jaja can stick their card up their JaJa as applying affects credit rating even though it's soft credit rating it still affects !!!! Shame on you Asda partnering with JAJA did you not read the terrible reviews ??? Obviously not !!!???? Reviewed on: 26th August 2022
Sandra's avatar
Sandra

Absolutely shocking company

1
I have had my credit card since Saturday 20th August and after using it one on Saturday my account was placed on a review and blocked. I had to wait until Monday 22nd to speak with customer service. My card was unblocked and £10 credit added to my account. On Wednesday 14th August I used my card and my account was placed onto a review. Customer service is shocking, you call them, go through data protection and get told they are not able to disclose anything about my account to me and that I must wait 2 - 3 days until the relevant department contact me. This company is an absolute joke. Why accept me for a card if you are not happy with me using my card for transactions over £100 and block my card. HOW THE HELL CAN MY ACCOUNT NEED 2 REVIEWS A BLOODY WEEK. PLEASE PEOPLE, STAY CLEAR FROM THIS COMPANY!!!!! Reviewed on: 24th August 2022
Jo P's avatar
Jo P

Cannot use card

1
Secondary card holder app doesn’t work - called customer service x3. Not very knowledgable. Kept passing on between teams. Then said customer service hours were over / call back after the weekend. Reviewed on: 12th August 2022
CGW's avatar
CGW

Exceptionally bad

1
Try to purchase something needed to use the app , the app never works then got online and online service not working , tried to call then no one answered, avoid this company , used to be post office and it was good and since changed to JaJa is absolute shambles Reviewed on: 15th July 2022
Amir Nia's avatar
Amir Nia
Reply from Jaja Finance Hi, Thanks for taking the time to leave a review. We're really sorry for the experience you've had. Please do send details to [email protected] so we can investigate promptly. Kind regards, Jaja team Response date: 18th July 2022
Jaja Finance logo
Jaja Finance

Review Jaja Finance : Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

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
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill