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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)

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

Awful Service

I had a Post Office card which moved to Jaja. They issued a new card which I never used, but the DD stayed the same. I managed to pay the outstanding amount off with the advisor on the phone telling me that nothing more is owed and the full balance has been cleared. 2 months later I received an email saying I owe money!? Basically they didn't close my account, nor advise me that there was £8.94 outstanding from somewhere and they were charging interest. CALLS ARE RECORDED and I asked them to listen to my previous call when I paid everything off; I assumed they did because I was put on hold for 10mins. In the end I was led to believe that the Ccard account hadn't been closed and I still them money. I have never even activated the Jaja card. I reluctantly paid because nobody would help. I told the advisor I would hit every social media channel and review. They still wanted the money. Reviewed on: 5th May 2021

Reply from Jaja Finance Hi Gerrard, We apologise for the delay in response. We are sorry to hear you had a negative experience with our customer service team. This is not how we wish our customers to feel. We will continue to improve our services to create better experiences going forward. Kind Regards, Jaja Team Response date: 15th June 2021

Another month and more demands arrive.

Since this Mickey Mouse Company took over the Post Office cards its welcome to La La Land. Avoid at all costs. Reviewed on: 29th April 2021

Horrendous Service

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

Losing the will to live

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 lives on. Reviewed on: 12th April 2021

Appalling!

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 failed to go through. Maybe that is how they keep complaints down. The Post Office used to be really efficient, but the standards have dropped so much and are so dreadful that I resent having to give as much as one star for the service. Reviewed on: 11th April 2021

The worst credit card company I have ever dealt with

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, has they offer to phone back and never do. For your sanity please do not use this company. Reviewed on: 10th April 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)

Do not use Jaja

Terrible company. Avoid at all costs

New card. Impossible to activate

Shambles - charged a late payment fee on zero balance

Awful Service

Another month and more demands arrive.

Horrendous Service

Losing the will to live

Appalling!

The worst credit card company I have ever dealt with

Review Jaja Finance : Credit card now

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