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Jaja Finance : Credit Card reviews

Name: Credit Card
Rating: 1.33 (137 reviews)

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1.37

Based on 137 reviews, last reviewed 7th Jan 2025

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

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 add... Read more Reviewed on: 7th January 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 (137)

Review of the Jaja Finance, Credit Card:

Disgusting. Irritating company

I've had this card not even a few months , and for no reason , it's been blocked , I cannot access anything online. I've been told every time I call that my account is under investigation. But they cannot say why. This is causing a lot of anxiety. All am told is someone will call me once the review is done. That they cannot discuss anything on the account. When I said I'd like to pay my monthly fee , they gave me an account number at which was wrong what was stated online. When I asked the question ,she said , that's what I have. So I said I won't pay then as it's different online. Wtf. This company Is a joke and wished I never got it. It's caused nothing but stress and anxiety that I really should not feel !!! Appalling customer service. I could go on about my complaints but you get the jist!! Fuming is an understatement Reviewed on: 27th December 2023

Avoid at all costs

I Paid £316.00 to pay off my account they say they have not received it. I Contacted my own bank they gave me all the details of the transaction. i.e GBR Authorisation code and ARN Acquirer reference number I forwarded all this on and I have heard nothing they don’t care never had this trouble with the Post Office as soon as this is resolved the card will be cut up avoid this company at all costs appalling service they should not be in business. Reviewed on: 18th December 2020

Astonishingly poor service

Don't contact Jaja unless you have lots of time to spare. I found a rogue item on my statement and called to have it queried, it took 55 minutes to get a reply. After registering my potential fraudulent item I was told the amount would be restored and my account would be monitored. It never happened. I have tried again to contact Jaja with no success. Reviewed on: 17th December 2020

How is this company allowed to operate ?

I too had a smooth working P.O. credit card account until JaJa took over. Their website is poorly designed and lacks functionality. So I phoned JaJa to get more information on recent transactions - they then put me through security questions provided by a third party company - that information was long out of date, so I failed the test. They then blocked my card and requested verified copies of my passport and driving licence, which I sent without delay. That was 6 weeks ago. Today I was told that they have received my documents but their head office was late in verifying them. The operator offered to raise a complaint which I did. This will take 8-10 weeks to be decided on. It gives me time to look for a normal credit card company. I cannot understand how this company is allowed to operate. Absolute shambles. Reviewed on: 15th December 2020

joke of a company

since the transfer over from post office its been an abysmal experience, they won't let me pay my account off !!!!! i will be cutting up card and sending it back to them AVOID AT ALL COSTS Reviewed on: 14th December 2020

total con

I dont have an account with JAJA never have plus i have never applied for an account with JAJA , But since July 2020 the have been taking money out of my account every month , When i called took me 2 hours to get through then they said they dont have my name on any account But the account is active, Gave me another number to call, I am now in a que and have been for last 56 minutes, APPAULING SERVICE Reviewed on: 11th December 2020

Beyond disgraceful

Made two payments approximately 1350 each. One didn’t show as gone through on app so I made again. To check I looked at my bank app & noticed both had been taken. I immediately called and was advised that one payment was reversed so all ok. Three days later both payments taken from my bank. Called again, waiting 30 mins on hold to be told by a female who sounded half asleep and as enthusiastic as a slug to call another number. This time I waited 40 mins & was cut off. I was furious... I felt after reading all the available reviews that my money was not safe and had no alternative to use the card quickly to use up the £1350 balance... something I didn’t want to do and has left me financially squeezed... I’m disgusted and astonished that what is supposed to be a highly regulated industry behaves in such a sloppy inefficient and almost criminal fashion. I consider the regulatory authorities a waste of time and subjected to lip service by crooks like these.. they also seem unfit for purpose... DO NOT UNDER ANY CIRCUMSTANCES CONSIDER USING JAJA FOR ANYTHING OTHER THAN PROMOTING STRESS & ANXIETY Reviewed on: 11th December 2020

Move to a Company that cares about it's Customers

For anyone having problems contacting them call: 0333 016 4072 (direct number for their complaints tema) If the Jaja experience of making things smarter and simpler to do business is not cancel your account when they confirm, not to inform the Credit Agencies your account is closed and then not provide any level of customer or try to resolve the problems they cause then this is the new simple. Why this company has a credit licence, VISA allows them to issue cards with their brand and the regulators see them as a fit organisation to operate in the UK is beyond me. Reviewed on: 9th December 2020

Dont touch with a barge pole!

I am fed up ringing their number trying to cancel this account transferred from the PO. There is no way to contact them other than their CS number, which you spend ages on. Nothing ever comes of it just the same old nonsense. Banking Ombudsman is my next call. Reviewed on: 9th December 2020

Worst experience ever !!!

Former post office account holder taken over by JAJA, should read HAHA as this company is a complete joke. Paid £116 9 days before due date via the app, and get a £12 late payment fee on the due date. 45 minute phone call and jaja have no record of the payment, it’s ‘lost’ somewhere. Poor customer service and incompetent infrastructure. Financial Ombudsman informed. Reviewed on: 8th December 2020

Customer Services promise action but nothing ever happens

All I wanted was an additional card for a family member. I started the process in August and by December, after four calls to Customer Services, I still don't have it. None of their promises can be relied on; nothing they say ever happens. I have now closed my account, and it took a very long phone call to do that! Reviewed on: 8th December 2020

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