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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.33 (137 reviews)

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1.37

Based on 137 reviews, last reviewed 7th Jan 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

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

Latest lowest rating:

1

A pathetic excuse for a travel credit card A pathetic excuse for a travel credit card, customer service is only available during GMT hours and any replacement cards can only be sent to a UK add... Read more Reviewed on: 7th January 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 (137)

Review of the Jaja Finance, Credit Card:

Disgusting. Irritating company

I've had this card not even a few months , and for no reason , it's been blocked , I cannot access anything online. I've been told every time I call that my account is under investigation. But they cannot say why. This is causing a lot of anxiety. All am told is someone will call me once the review is done. That they cannot discuss anything on the account. When I said I'd like to pay my monthly fee , they gave me an account number at which was wrong what was stated online. When I asked the question ,she said , that's what I have. So I said I won't pay then as it's different online. Wtf. This company Is a joke and wished I never got it. It's caused nothing but stress and anxiety that I really should not feel !!! Appalling customer service. I could go on about my complaints but you get the jist!! Fuming is an understatement Reviewed on: 27th December 2023

Jaja refusing to honour balance transfer

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

Terrible customer support

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

Absolutely shocking company

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

Cannot use card

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

Exceptionally bad

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

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

My app hasn't worked in nearly a month

After numberous phone calls I can't get my app to work. I can't authorise larger payments online using the app. Noone can give me any estimate of how long it will take to fix. Reviewed on: 13th July 2022

Reply from Jaja Finance Hi, Thanks for taking the time to leave a review. We're really sorry for the experience you've been having. Please send details to [email protected] so we can investigate promptly. Kind regards, Jaja team Response date: 18th July 2022

Modern and easy

Jaja are a company that embrace progress without making changes for changes sake. Their customer care is friendly and efficient. The card is especially good for foreign travel (this will be a priority for me when the world opens up). The app is user friendly and has some very clever little features like notifications when you use the card). I'm not a geek, but... well perhaps I am and Jaja satisfies the needs of this nerd bird. Reviewed on: 22nd March 2022

Reply from Jaja Finance Hi, Thank you so much for leaving such a great review! We appreciate your feedback and we're pleased to know you find our card good for use abroad. Thanks again! Kind regards Jaja team Response date: 19th May 2022

Really High Interest Rate

I current pay £64 a month interest on a £3300 credit card and have been for ages with JaJa. Trying to speak to someone about this is impossible and when I last spoke to someone they said it was for a balance transfer, but the interest rate is for purchases. I have no idea if this is correct and since the switch from PO they have been rubbish. It took months for me to use their app and wish I could transfer out of Jaja as I think I'm getting ripped off. Reviewed on: 10th February 2022

Reply from Jaja Finance Hi SGee, Thanks very much for your review and feedback. We're keen to add some clarity for you. If we can help please email [email protected] and we can take a look at your account. Kind regards, Jaja Team Response date: 15th February 2022

Online statement doesnt add up

Debits and credits four days srill not updated online. Its useless in keeping track of spend worse than the PO if thats possible. The balance and availability never up to date, totally in the dark on usage. Reviewed on: 20th December 2021

Reply from Jaja Finance Hi, We are sorry to hear this has happened and would advise emailing [email protected] as we are eager to resolve this for you. Kind regards, Jaja Team Response date: 20th December 2021

Avoid - appalling service

I was a Post Office customer, and since they bought the business the service and treatment has been appalling. Would have given zero rating if that was possible. Have now closed my account. Reviewed on: 8th December 2021

Reply from Jaja Finance Hi Paulj, We are very sorry to hear that you were dissatisfied with the service you received from Jaja. Thank you for leaving a review. We are constantly trying to improve our service so we will take your feedback on board. If there are any outstanding issues that require attention please feel free to email your details to [email protected] and we will try to resolve as quickly as possible. Regards, Jaja Team Response date: 13th December 2021

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