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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.35 (139 reviews)

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1.45

Based on 139 reviews, last reviewed 15th Apr 2025

100% increase in 5 star reviews

in the past 90 days

50% decrease 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

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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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 (139)

Review of the Jaja Finance, Credit Card:

Useless

Jaja Finance claim to offer the next generation credit card. It's a pretty bold claim! Well if next generation means it doesn't work and a terrible service than it's a true claim! Trustpilot has 54% of 1 star comments while 60% are 3 star or below! I am giving up on them! Reviewed on: 24th July 2021

Reply from Jaja Finance Hi Mike, We are sorry to hear you are dissatisfied with the service we are offering. We are keen to help if there are any issues that can be resolved for you - please email [email protected] if so and we can see what we can do. Kind regards, Jaja Team Response date: 27th July 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

Escaped at last

My reviews at length are on Trust Pilot. Suffice to say I had a call from Daniel- ex Bank of Ireland, now trying his best having been taken over by JaJa. He promised transfer of the positive balance (refunded cancelled flight costs) by the following day. It actually happened. £717.40 now in my current account and never having to deal with this Fred Karno (I'm old) team of clowns ever again. The CEO was ex Barclays, he jumped ship and handed over to a Nicholas Aspinall. His cv on Companies House Directorships makes interesting reading. TaTa to JaJa. The Norwegian risk takers paid £500 million to destroy in six months what the Bank of Ireland had built up over decades. Reviewed on: 3rd February 2021

Horrific

Still can’t access my account online or through app. Got through to them, they said they had no way of telling how long it would be. We are months later, still no accesss, just a monthly direct debit payment with no idea about remaining balance etc. So basically can’t see my own finances. Go nowhere near this company!!! Stay well away. Use any other card company! Anyone. Reviewed on: 28th January 2021

This Company is dangerous keep away !!!!!!!!

I am now free of this obnoxious set up, they will cause dismay, worry and stress for some poor individuals that are unfortunately locked in for a time.Contact watch dog. go to the press or even better still........... Martin Lewis and the Finacial Ombudsman. Reviewed on: 23rd January 2021

Problematic app, poor service, rude / arrogant customer service team

This mob took over from the Post Office and turned a perfectly good credit card offering into a nightmare. Credit card app is extremely poor, takes days and sometimes weeks for transactions to appear (no excuse in this day & age). Customer services were just rude and failed to close my account when requested to do so, ended up writing to the CEO just to close an account. If you need a credit card, I would suggest you try any other company first. Reviewed on: 22nd January 2021

STEER CLEAR of this one!

Atrocious! Would not recommend!! Only ended up with this c.c because the Post Office moved its credit card business onto them. My problem was I chose not to activate their card and opted to clear my balance. I genuinely feel for the Customer Service Advisors as they are pleasant and try to be helpful, but they work for shylocks of the worst kind!!!! Reviewed on: 20th January 2021

Atrocious

Literally the worst company I’ve ever dealt with. They keep surprising me with how clueless and pathetic they are. Doesn’t deserve to stay in business Reviewed on: 19th January 2021

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