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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:

Very easy and responsible credit card provider

So far nothing but a positive experience with a Jaja credit card. Main point is that it just works (as a credit card should!). But the setup makes it easy to use the card well, from direct debit payments, the ability to freeze the card, notifications about spending and balance management, and the application process. And of course in-app approvals of online spends, Reviewed on: 24th May 2024

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

Useless

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! Well if next generation means it doesn't work and a terrible service than it's a true claim! Trustpilot has 54% of 1 star comments while 60% are 3 star or below! I am giving up on them! Reviewed on: 24th July 2021

Reply from Jaja Finance Hi Mike, We are sorry to hear you are dissatisfied with the service we are offering. We are keen to help if there are any issues that can be resolved for you - please email [email protected] if so and we can see what we can do. Kind regards, Jaja Team Response date: 27th July 2021

Completely Useless - Don't trust them.

They said that for security purposes, they had to take a small amount from my card, after which they would send a code, which I could use to get a refund. They took £1, but no code ever arrived. Then I got a bill for the outstanding pound. I tried to pay it via a debit card, but it would not allow me to register the card. So I sent a BACs payment from another bank. This took four days to appear in my Jaja account. I filled in their on line complaints form about 5 days ago, but have not even received an acknowledgement. I would close my account, but from what I've heard, this is well-nigh impossible. They a rubbish. Reviewed on: 21st July 2021

Reply from Jaja Finance Hi John, 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: 22nd July 2021

Security Shambles!

Be aware if you try to call up to close your account they will ask for the FULL password. Do not reveal your password - it goes against all security protocol. This is a good example of why I am now an ex customer Reviewed on: 17th July 2021

Reply from Jaja Finance Hi, Thank you for taking the time to leave a review. We're sorry to hear you had a negative experience with our customer service team. This is not how we wish our customers to feel and we are sad to see you leave our services. Kind Regards, Jaja Team Response date: 19th July 2021

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