Write a review

Go to business site

Jaja Finance : Credit card reviews

Name: Credit card
Rating: 1.36 (143 reviews)

View other Jaja Finance products

1.37

Based on 143 reviews, last reviewed 20th Feb 2026

No new 5 star reviews

in the past 90 days

No new 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

I forgot my special code in March 2015. I forgot my special code in March 2015. They blocked my card and access to app. I provided the relevant signed copies for proof of identity & they sen... Read more Reviewed on: 20th February 2026

Read all reviews See your review

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 (143)

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

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

The worst experience ever from any financial institution! Keep well away!

Even though I put 1* this company does not deserve that. My credit card services were transferred from the Post Office Credit card. Worst experience ever . Could not register. Customer service is appallingly and pathetic. I cut the card in to pieces and put in the bin before getting in to more trouble! The company should be really ashamed of their incompetence in providing even a miniscule of services. I do not know how they are allowed to operate in UK. Reviewed on: 17th January 2021

JaJa Credit Card- What a shambles

Cant believe the Sheer incompetence of JaJa Finance.. Customer services non-existent, Website registration does not work, Emails sent never get a response. Have made official complaint to the Ombudsman for what its worth. Do not deal with this amateur, pathetic embarrassing Company. Unfit for purpose and should not be allowed to continue trading. One star out of Ten is way too much. Reviewed on: 16th January 2021

An abomination

Receiving a one-star review, this company should be over the moon. One-star is a gross overestimation of JAJA's value as a credit provider. A more accurate rating would be far below zero. I never applied for, nor requested, nor approved of having an account or credit card with JAJA. I was automatically transferred from my Post Office account – and it is seemingly impossible to close the account. I have spent untold hours on hold, I still receive emails demanding payments on an account I'm told has been closed. I get text messages saying my card has been activated – by whom? I have never received a JAJA credit card in the post. I'm beginning to become very worried that this company will damage my credit score because of their total ineptitude. Whatever you do – never get yourself tangled up with this company. All of the negative reviews on here paint a similar picture to what I have experienced. What a sh*tshow. Reviewed on: 10th January 2021

Clustershambles

Like many only realized I was moved from the excellent Bank of Ireland CC when things started to go wonky. When payment didn't come out of my account as normal for the full balance, I paid. Then they took it out automatically a second time. I got one payment back by asking my bank to get it, then JaJa said they sent the second payment back also, but my bank said it didn't arrive. Then Jaja said I should pay the balance a 3rd time! The following month, no payment came out automatically, but they added that 3rd payment on it seemed and penalties for not paying! Long talks with their customer service, got back to the correct amount to pay which I paid immediately. They then said if I paid my bill due the end of December, they told me the amount to pay, that they would not also take out by direct debit, but again they did, double payment. This emptied my current account meaning other direct debits bounced. I also got a big refund in December which I want back in my current account, but now can't access my Jaja account, the login no longer works to find out what is going on. I need that before going down the rabbit hole of their customer service. First time writing a complaint about a company. Can't wait to extricate myself from this mess of a company - steer clear of this Cluster****! Reviewed on: 6th January 2021

Shocking

We were automatically transferred from post office. We had the post office card because the exchange rates received for overseas use was excellent. I work in Foreign Exchange Market so keep an eye on these things. Purchased an item in USD in November. At the tome GBP/USD was at 1.31. Historically with the post office we would have received a rate of 1.30ish. With jaja we got 1.16. I cannot stress how shocking this rate is. It is worse than you would receive at an airport currency exchange booth. Please avoid at all costs. Reviewed on: 5th January 2021

Abysmal

Had no problems with my post office credit card. Then jaja took over, now I’ve had endless amounts of grief. All the complaints (as there’s several now) will be escalated to the ombudsman, Reviewed on: 4th January 2021

Alternative products

Platinum Cashback Credit Card
from American Express 4.57 from 69 reviews
Freedom Rewards Credit Card
from Barclaycard 3.96 from 60 reviews
Initial Credit Card
from Barclaycard 3.99 from 118 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub