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Jaja Finance : Credit card reviews

Name: Credit card
Rating: 1.35 (141 reviews)

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1.38

Based on 141 reviews, last reviewed 2nd Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase 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

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

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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 (141)

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

Poor

Having had a credit card with post office for years, I automatically got a jaja card. My credit limit was good and I used the card for small purchases. The app seemed easy to use but unfortunately when I used it to pay off my balance, it worked fine or so I thought. It actually did not process my payments. This happened on three separate occasions and I was therefore charged for late payment. The paper credit card statement also showed details of the account to payoff my balance which also isn’t the actual account number to pay off your balance. In the end I called customer services and paid off my balance and closed my account. There are far better credit card providers out there in my experience. Reviewed on: 6th November 2021

Reply from Jaja Finance Hi Emma, We are very sorry to hear this has happened and we're sad to see you leave our services. Kind Regards, Jaja Team Response date: 10th November 2021

Talking to a brick wall

Called up to request increase in credit limit. Told they don't take requests. Told they review files and offer credit limit increases in their own time Can't tell me whether/when my file is being reviewed. I then asked if they had up to date salary information, as my income is now >2x what it was when I opened the card 5 years ago. Told they don't collect salary information. Really poor and will be cancelling as soon as mortgage application complete. Reviewed on: 14th October 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: 15th October 2021

no communication

I got an email to tell me my payment was overdue, no email to say when it was due, just after the event to tell me they had taken £14 for nothing. No means of contacting them. Didnt download the app as it has a 1* rating. so trying to do it online, aargh. the statement is so tiny I cant read it, I have to download it to see it. Cancelling as soon as I can get hold of anyone. Reviewed on: 5th September 2021

Reply from Jaja Finance Hi, Thank you for contacting Jaja. We apologize for your experience. If you require assistance please email [email protected]. Kind Regards, Jaja Team Response date: 8th September 2021

Unbelievably bad service failures and major errors. 1st CS respondant was unable to retrieve back correspondence from Jaja to me from their system.

40 minutes (!) for transfer to manager A***, despite my polite clarity before the original agent's repeated holds that a manager was necessary. Jaja had previously offered £15 (£50 my bid; declined). Never had any problems ever with other issuers or Jaja's Post Office credit card predecessor. Jaja are blocking/ unblocking my card. Jaja requested postal id; then wrote this was no longer needed. But card blocked yet again (reason?!). No compensatory credit to my a/c was yet made though verbally promised in last call some months ago after 1st block/ unblock/ confusion/ complaint. Despite clearing then debt in full and asking they retain enough of my overpayment, am now racking up a modest 2 figure balance in ?fees or interest that I cannot even pay to clear despite wishing to. So really worse than HOPELESS. 2nd complaint logged by A***, but shan't hold my breath. Reviewed on: 19th August 2021

Reply from Jaja Finance Dear David, We are sorry to hear you have had a poor experience thus far with this issue. We hope the 2nd complaint that has been logged will result in a resolution that you can be satisfied with. Regards, Jaja Team. Response date: 19th August 2021

Appalling and frustrating

Lack of knowledge and difficult to get any answers, even from a 'supervisor'! AVOID Reviewed on: 29th July 2021

Reply from Jaja Finance Hi Summer, Thank you for leaving a review. Please email [email protected] so we can investigate this for you. Kind Regards, Jaja Team Response date: 29th July 2021

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Jaja Finance : Credit card reviews

100% decrease in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Jaja Finance : Credit card now

Jaja Finance Credit card reviews (141)

My app hasn't worked in nearly a month

Modern and easy

Really High Interest Rate

Online statement doesnt add up

Avoid - appalling service

Poor

Talking to a brick wall

no communication

Unbelievably bad service failures and major errors. 1st CS respondant was unable to retrieve back correspondence from Jaja to me from their system.

Appalling and frustrating

Review Jaja Finance : Credit card now

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