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Jaja Finance : Credit card reviews

Name: Credit card
Rating: 1.35 (141 reviews)

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1.38

Based on 141 reviews, last reviewed 2nd Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% 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

Bad experience with Jaja finance credit card This company had blocked my credit card and have not explained to me why they have done this. Its been 4 days that i have not been able to use the car... Read more Reviewed on: 2nd September 2025

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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.

Jaja Finance Credit card reviews (141)

Review of the Jaja Finance, Credit card:

A pathetic excuse for a travel credit card

A pathetic excuse for a travel credit card, customer service is only available during GMT hours and any replacement cards can only be sent to a UK address, useless if you’re abroad and the card is broken or lost. My case: they locked the card due to fraud and said it was due to VISA. Told to find a VISA atm to unlock, wasted time doing that. Nothing. Stick with reputable bank not these idiots. Reviewed on: 7th January 2025

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

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

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