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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

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

Worst ever Credit Card Provider

Please DO NOT ever use this credit card provider. It is the worst company, it is astonishing they are still allowed to operate. Poor poor poor. Reviewed on: 30th December 2020

Avoid like a cow pat

this is the worst Credit card provider ever. Do not use ever, I was a transfer customer from the Post Office and ever since its all gone down hill from day 1. We are now up to Complaint number 5. The only reason I keep the account open is to access travel refunds still coming in. Do not use! Reviewed on: 29th December 2020

Atrocious

I suggest that you avoid this "company" at all costs. I have been transferred to JAJA from the Post Office which, for many years, has been excellent. I tried to pay JAJA card (just a small purchase to initiate the new card) via BACS: the JAJA web instructions on how to set up a BACS payment does not give the account name (only Sort Code and Account number). My bank wouldn't accept no name. Phoned JAJA customer "services" who gave me an account name. This wasn't accepted by my bank. Phoned again, this time was given another name which didn't work. The person (who seemed to be trying to be helpful but obviously couldn't confirm their actual account name) gave me three more possible account names to try. Non worked. He suggested that I phoned my bank to get them to find the JAJA account name! Surely, it would be simple for JAJA to put their account name on the web page that says how to set-up a BACS payment? The company seems inept; it is such a shame that the excellent Post Office chose such an organisation. I've closed the account and will take out another credit card focused on use abroad. Reviewed on: 21st December 2020

Just NO

Automatic transfer from Post Office - not asked for or wanted and no option offered for a service I have not agreed to. Customer Services based abroad, poor phone line, couldn't hear them, they put the phone down. Don't want an app, don't want online only access, don't want the card or the account. I've stopped all transactions and removed card details from online sites. Had to register for the account in order to freeze the card. Once final payment taken account will be closed. Reviewed on: 20th December 2020

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