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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.33 (135 reviews)

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1.41

Based on 135 reviews, last reviewed 7th Oct 2024

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

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

Latest lowest rating:

1

Very bad experience,my credit card is being closed b... Very bad experience,my credit card is being closed before l even use it. I called them and they said my account is under investigation. Reviewed on: 7th October 2024

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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 (135)

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

A disgrace

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 company ever. Terrible service. Reviewed on: 3rd April 2021

High monthly interest rate

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

This company is so bad it could be a joke

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

How does Jaja work? It's a joke.

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

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

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

The Worst

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 am assured it has now been cancelled but still the bills get larger and keep turning up. These people have not got a clue Reviewed on: 28th February 2021

Absolute rubbish - steer clear of this company!!!!!

If I could I would rate them a big fat zero!!! I used to be a Post Office credit card holder until they were taken over by this incompetent bunch! I received a letter informing me of a late payment fee that will be added to my account........incorrect! I made my monthly payment on time as usual but without any explanation this was returned to me. I then made a further payment to be sure I wasn't charged for late fees etc. I tried to ring customer services to sort this out but apparently I failed the verification/security questions so my account was locked. I was told a 'specialist' team would call me back within 48 hours ref verification but surprise surprise not forthcoming!!! I ended up having to call them back yet again and be subjected to a 'grilling' to verify my identity before being 'allowed' to speak to customer services. To be expected, customer services had nobody available to speak to me so I requested another call back - no call back was received, resulting in me telephoning them yet again and spending another 30 mins on hold before a 'manager' finally made themselves available to speak to me. The 'manager' looked into my account and low and behold, the late payment fee was charged to my account incorrectly and has now been refunded. It would appear that JaJa make a habit of charging people late payment fees incorrectly! I would steer well clear of JaJa!!!! Reviewed on: 23rd February 2021

Avoid this company at all costs

I really wanted to give this company a 'zero' rating but that was not possible, anyway as per most of the other reviewees, I too was a Post Office credit card holder whose account was moved to JaJa. What a shambles, they lost a payment, hit me with late payment and interest charges which only resulted because they had lost my payment (I always settle my full balance on time). Impossible to get to speak to a real person and when I did they were offhand. Has taken months to finally sort out the mess. I will now be closing my account. Reviewed on: 22nd February 2021

Could never get accessto mystatement

Was moved to JaJa through having a card with the Post Office. It was a great card before it was taken over. In the months since I have never been able to use the website or the app making it impossible to manage my finances. The only way I can get information is by phoning up. The staff are polite enough but it is a time consuming exercise every time. I have asked them to close my account now so hoping this actually happens! Reviewed on: 21st February 2021

Avoid this company

Still can’t access account via app after months can’t change address as new cards sent to old address & were returned to Jaja info I wasn’t aware of but Jaja told me but I fail security questions as I don’t have the lady 4 digits of my card so it locks them out of my account months I’ve been trying to sort things finally got a new card today activated it & still the app says incorrect information what does one do? This company shouldn’t be allow to trade. Inaccessible app no account info in 2021 !!!! Come on not an option leave well alone this company stinks. Reviewed on: 16th February 2021

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