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Jaja Finance : Credit Card reviews

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1.38
Based on 138 reviews, last reviewed 3rd Apr 2025
No new 5 star reviews
in the past 90 days
50% decrease in 1 star reviews
in the past 90 days
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2%
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1%
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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
J H's avatar
J H

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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Dazzerdazn
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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 (138)

Horrendous Service

1
Card not working and when you call up they ask nonsensical questions such as is it activated, when they are looking at my account and I've been using it previously. Still can't use card and cannot speak to anyone to get it resolved. Reviewed on: 27th April 2021
Me's avatar
Me

Losing the will to live

1
Would you believe it after 7 days I got a call from JaJa security department. They would not tell me why my card and account had been blocked until I answered a few security questions one was details of transactions on my account. Has my account had been blocked I explained this was difficult so asked for my account to be closed. Your account can not be closed until you are able to answer the security questions. I would like to meet Mr Chan the current CEO to see which planet he... Reviewed on: 12th April 2021
John Fernaly's avatar
John Fernaly

Appalling!

1
Since JaJa took over from the Post Office, my card does not work and I can't access my account. Twice I have called and been informed that someone will call me back 'as soon as possible', but nobody ever does. It is very worrying that I can't see what has been going on with my account. I was going to call customer services but it is a premium number which may charge me up to 55p per minute. Why should I have to pay to complain? I tried to send an email, twice, but both times it... Reviewed on: 11th April 2021
Dawn Mullins's avatar
Dawn Mullins

The worst credit card company I have ever dealt with

1
Since having my credit card moved from the Post Office to JAJA I have had nothing but problems. Set up a Direct Debit and then had one month no money taken and charged a late payment fee, credit with £740 which was not mine, used the wrong exchange rate on a transaction, blocked my card for no apparent reason and failed to tell me which caused some embarrassment at the petrol station and blocked access to my account. Phoned several times to customer services, which is a joke, ha... Reviewed on: 10th April 2021
John Fernaly's avatar
John Fernaly

A disgrace

1
Swapped over from Post Office (which were great) and had nothing but trouble since. They owed me £300 for 5 months. I've eventually got it back so will close this account immediately before they have an opportunity to mess it up again. To close the account you are supposed to call customer services- I won't be wasting another hour of my life on the phone just for the whole conversation to be ignored.. Letter to them will be sent so there's a record! Would not recommend this com... Reviewed on: 3rd April 2021
Janice's avatar
Janice

High monthly interest rate

1
High monthly calculated interest rate with poor details provided on statement. Electronic transfers don't work. Reviewed on: 2nd April 2021
Moeen's avatar
Moeen

This company is so bad it could be a joke

1
First card got eaten by the ATM. Second card has not been recognised by the App that still shows the old card. Spent a lot of time on the phone with customer services over a few sessions. Eventually we agreed they would start again with a new card and pin. Non of it ever arrived and that was months ago. I have now given up with them. Reviewed on: 6th March 2021
Harry Shannon's avatar
Harry Shannon

How does Jaja work? It's a joke.

1
2 complaints 1) I asked for a simple task - to remove a name from my account - and was told this had been done. 4 months later I found the name was still there. 2) I asked for a replacement card and told it would arrive in 7 days. One month later and it never arrived. The agent could see that nothing had been actioned and apologised profusely. Not her fault. Reviewed on: 4th March 2021
Annie's avatar
Annie

I apid my bill and cancelled card Weeks later I get a demand for hte full amountplus £25 in fines andlate fees etc.

1
The service is lousy. I could not set up the card in my bank's payments. The bank blocked access to my account for ten days. This happened twice. My bank stopped paying SO for water and tax. DEspite paying in full I later received a demand from JAJA for the full amount plus £25 in fines and fees etc, I complained and am being ignored. I am considering going to Action Fraud. Reviewed on: 1st March 2021
Lesley Lovell's avatar
Lesley Lovell

The Worst

1
Previously with Post Office. New card arrived could not get App to work or card activated, after three attempts with customer service they suggested I activate the card by using it with the pin. Did this spent about £20 still could not get App to work. Bill arrived paid the total amount and cut the card. Three weeks later Jaja pay the money back into my account. Now being chased for non payment and various other charges. Spoken to customer services three times and each occasion ... Reviewed on: 28th February 2021
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Chris

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