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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.35 (140 reviews)

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1.39

Based on 140 reviews, last reviewed 8th Jul 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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

Such a bad experience first they was showing me no i... Such a bad experience first they was showing me no intrest for 6 months but right after first month they start charging me intrest and then telling me... Read more Reviewed on: 8th July 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.

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Jaja Finance Credit Card reviews (140)

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

Do not use Jaja

Worse experience of my life dealing with Java and their complaints department haven't a clue! They took over from the Post Office card which was excellent but Jaja are a complete and total disaster in every way! Reviewed on: 10th June 2021

Reply from Jaja Finance Hi Annie, 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: 15th June 2021

Terrible company. Avoid at all costs

Nothing but terrible customer service since they took over my Post Office Credit Card. Took 3 attempts to get the account closed, and now money has been refunded to it (from a cancelled holiday) that I can’t get because I “failed security” ! I didn’t know the exact month the account was opened (which was about 12 years ago for crying out loud). Just an awful company to deal with, the sooner I can get my money back and never have to deal with them again, the better.... Reviewed on: 11th May 2021

Reply from Jaja Finance Hi Stuart, We apologise for the delay in response. We advise emailing [email protected] as we are eager to resolve this for you. Kind Regards, Jaja Team Response date: 15th June 2021

New card. Impossible to activate

Like others has transferred to PO. Unable to log on and also got asked non sensical questions about previous transactions even though it’s a new card. I’ve now been told I’ll be called back in 7 days. I will be asking them to close my account. I’ve just opened another account with a different provider in the last 10 minutes Reviewed on: 11th May 2021

Reply from Jaja Finance Hi Kate, We apologise for the delay in response. We are sorry to hear you had difficulty activating your card. This is not how we wish our customers to feel. We will take on board your comments so we can continue improving the service we provide our customers. We are sad to see you leave our services. Kind Regards, Jaja Team Response date: 15th June 2021

Shambles - charged a late payment fee on zero balance

NEVER use this company - awful service since taking over from PO. flaky app, terrible customer service and last straw since having my credit card moved from the Post Office to JAJA charged a late payment fee, on a zero balance despite DD being set up and unchanged for over 10 years. No apologies but thankfully have now cancelled. Awful business Reviewed on: 10th May 2021

Reply from Jaja Finance Hi Kristian, We apologise for the delay in response. We are sorry to hear you've had a negative experience. This is not how we wish our customers to feel. We will take on board your comments so we can continue improving the service we provide our customers. We are sad to see you leave our services. Kind Regards, Jaja Team Response date: 15th June 2021

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Jaja Finance : Credit Card reviews

100% decrease in 5 star reviews

No new 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 (140)

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!

Do not use Jaja

Terrible company. Avoid at all costs

New card. Impossible to activate

Shambles - charged a late payment fee on zero balance

Review Jaja Finance : Credit Card now

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