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Jaja Finance : Credit card reviews

Name: Credit card
Rating: 1.37 (144 reviews)

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1.37

Based on 144 reviews, last reviewed 12th Mar 2026

No new 5 star reviews

in the past 90 days

200% 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

JaJa Finance has been fraudulently making up lies th... JaJa Finance has been fraudulently making up lies that im consistently applying for their credit card. I have never heard or seen anything about their... Read more Reviewed on: 12th March 2026

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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 (144)

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

Avoid, avoid, avoid - zero stars

This is the quite simply the worst credit card company ever. I only became a customer because my Post Office account was transferred to jaja. I have a credit balance of over £3,500 on my account after a transaction refund and have tried for several months to get it refunded to my bank account. I have called multiple times and keep being told lies about when it is being refunded. I am still waiting and there is no end in sight. Do not use this company - they are appalling. Reviewed on: 13th July 2021

Reply from Jaja Finance Dear JM, We are very sorry to hear that you have had this experience, and we would like to bring this issue to a close to your satisfaction. Please send us an email via [email protected] so we can look into this for you. Kind regards, Jaja Team. Response date: 15th July 2021

AVOID AT ALL COSTS!!!

AVOID AT ALL COSTS!!! Didn't have too many problems with my Post Office credit card until Jaja Finance Ltd took over. They began taking my direct debit payments twice and placed a charge on my credit card to pay me back one of the duplicate payments I am owed. Invested lots of hours into trying to get this money back over 10 months and they now appear to be ignoring the county court. Reviewed on: 1st July 2021

Reply from Jaja Finance Hi Glenn, 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: 6th July 2021

Cannot Register On-line

I was transferred from the Post Office, which had always been very efficient. I have been trying all day to register on-line, so that I can change my address. Every time I go through the entire registration process, I get to the end and a message comes up 'This service is currently unavailable. Please try again later'. If it does not work tomorrow, I will be cancelling the card, instead of changing address! Extremely poor service, which I do not need when moving house! I did use their suggested contact, they asked for proof of my new address, but no comment on the difficulty of registering on-line! I pointed out that, as I had only moved house 3 days ago, I did not have any bills as proof yet. In frustration, I told then to just cancell my card ..... low and behold, the first efficient action, I got an email, confirming that they had cancelled my account! My advice to anyone considering using a Jaja Credit Card is to make the most of this efficient aspect of their service. Reviewed on: 26th June 2021

Reply from Jaja Finance Hi Mike, 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: 28th June 2021

Worst Finance provider of the Century!

I have tried to open a complaint with them 2 months ago after a fraud on my card which they failed to block or to replace the card (happened after 20 emails and in-app messages after 3 months!) and spoke to a customer service rep on the phone after they told me numerous times that I'm not a customer which he responded with his own complaints of the management and did not raise my issue! Reviewed on: 14th June 2021

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Jaja Finance : Credit card reviews

No new 5 star reviews

200% 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 (144)

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

Useless

Completely Useless - Don't trust them.

Security Shambles!

Avoid, avoid, avoid - zero stars

AVOID AT ALL COSTS!!!

Cannot Register On-line

Worst Finance provider of the Century!

Review Jaja Finance : Credit card now

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