jaja is a good card to have. Recognized everywhere and very speedy payments at usage. The credit limit is good but could, perhaps, be a little bit higher as life is becoming more expensive and purch... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have had other cards which I applied for on line, but in my experience this has been the best so far. I was pleasantly surprised how easy and straight forward the whole process was, always kept in... See more
Company replied
Straight forward setting up on the account, my experience as a more mature person, not Tech 100% savvy, everything was so easy no hassle no need to phone anyone, everything explained so easily. The se... See more
Company replied
I found this company very helpfull and straight forward with my credit card.payments by direct debit help me keep my account updated and I dont miss a payment if I forget very helpfull to myself I wou... See more
Company details
- #15 of 29 best companies in Money & Insurance
About Jaja
Written by the company
Hello 👋 We're Jaja and we're on a mission to shake up credit and liberate our customers from needless complexity, wasted time, and frustration.
We're making the credit card experience simpler, more enjoyable, more intelligent – treating customers fairly and putting them back in the driving seat.
Find out more at jaja.co.uk
We're making the credit card experience simpler, more enjoyable, more intelligent – treating customers fairly and putting them back in the driving seat.
Find out more at jaja.co.uk
Contact info
PO Box 10782, LE18 9HS, Wigston, United Kingdom
- www.jaja.co.uk
4.5
Excellent
16k reviews
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Good credit card ,accepted everywhere
21 July 2026
Reply from Jaja
Hi rt,
Thank you so much for your review! 😊
We’re really pleased to hear you’re happy with your card. 💳✨
We’re always working to provide a simple and convenient experience for our customers, so it’s great to know you’re enjoying being part of JAJA.
Thanks for choosing us, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Harry,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had a good experience with our service. 💳✨
Providing a simple, reliable, and positive experience for our customers is exactly what we aim for, so we’re glad to know we’re meeting your expectations.
Thanks for choosing JAJA, we're always here to support you! 🚀
Thank you,
Natalie D.
application from start to finish was so…
application from start to finish was so easy its a great card and given a fair limit great all round credit card
7 July 2026
Reply from Jaja
Hi Martin,
Thank you so much for your fantastic review! 😊
We’re really pleased to hear that you found the application process easy from start to finish and that you’re happy with your card. 💳✨
It’s great to know you’ve had a positive experience with the service and that everything has felt straightforward. We always aim to make things simple and convenient for our customers.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Ignore statutory rights
Let this review show that JaJa finance will gladly sever all access to your account when you move house with no real explanation. Will not let you close your account, refuse to speak to you on the phone or even close an account that's in credit balance. Absolutely shocking, I'd rather you just debank me. You may claim to be regulated by the FSA but I'll be taking this complaint as far as I can. Let me be clear, I will not send you any personal details over email / internet to any of your American 3rd party suppliers to confirm my identity when I've done so on the phone multiple times - for you to simply tell me I've failed identity checks. I don't want to enable the card I WANT TO LEAVE.
From an email sent to me earlier, You refer to me as Najat, was this email meant for someone else?
My email response to you, which I fully expect you to ignore based on your own internal security policy (because I moved house) and are demanding I email documents in an unsecured manner to third parties I you can provide no information security policies for.
As I've requested many times now
I’d like to close my credit card account with immediate effect and terminate the credit agreement. My understanding is that the balance is either zero or In credit. Please confirm the balance, stop any further spending on the account and arrange for any credit to be refunded to me.
I’m effectively relying on the following rights
My right to end the ongoing use of the credit facility and request closure of the account.
My right to receive any credit balance owed to me.
My right to complain if you refuse to close the account without a valid contractual reason.
Your company security policies cannot override my statutory legal rights.
If you believe I have at some point revoked my statutory rights, please point me to the term in my agreement that prevents account closure.
If you are refusing any part of my request please treat this as a formal complaint.
20 July 2026
Unprompted review
Reply from Jaja
Hi Nick,
Thank you for taking the time to share your experience.
We are sorry to hear about your experience and appreciate you bringing your concerns to our attention. We have now reached out to you through the in-app Message Centre to discuss this further.
You can find our message by selecting the More tab > Help within the app.
Thank you again for your feedback.
Thank you,
Natalie D.
A fraudulent transaction was made on my…
A fraudulent transaction was made on my account, I reported it right away. Took weeks to resolved and that was only due to me chasing them. It was resolved and I thought that was the end of it, but no a month later I tried to use my card and couldn't due to restricts. Again I contacted them and was told it would take 2 weeks to resolve and here I am nearly 3 months down the line from the original incident still unable to use my card. And best of all customer service is only open 9 to 5 Monday to Friday, so if you work it's a nightmare to get in touch and if you use the live chat they just close the conversation
3 May 2026
Unprompted review
Reply from Jaja
Hi Amie,
Thank you for taking the time to leave us a review, we are sorry to hear about this. We did try reaching out, but unfortunately, we were unsuccessful. If you wish to discuss this further, please don’t hesitate to reach out through our in-app messaging centre. We are available Monday to Friday, from 9 AM to 5 PM, and will be happy to assist you.
Thank you,
Natalie D.
Reply from Jaja
Hi Gordon,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had a great experience with our service. 💳✨
We always aim to provide a simple, reliable, and supportive experience for our customers, so it’s fantastic to know this has been your experience.
Thanks for choosing JAJA, we truly appreciate your feedback and support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Rees,
Thank you so much for your review! 😊
We’re really pleased to hear that you found the application process easy and received a quick decision. 💳✨ We know how important it is for the application journey to be simple and straightforward, so it’s great to hear everything went smoothly for you.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
From day 1 there has been no problem…
From day 1 there has been no problem and you are kept informed with everything that goes on
5 July 2026
Reply from Jaja
Hi Alan,
Thank you so much for your lovely review! 😊
We’re really pleased to hear that you’ve had a smooth experience from the start and that you’ve found our updates helpful. 💳✨
Keeping our customers informed and making things simple to manage is something we always aim for, so it’s great to know this has been your experience.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Mduduzi,
Thank you so much for your kind review! 😊
We’re really pleased to hear that you found the application process easy and that you’ve had a great experience with our customer service team. 💳✨
We aim to make credit as simple as possible while providing helpful support whenever it’s needed, so it’s wonderful to know this has been your experience.
Thanks for choosing JAJA, we truly appreciate your feedback! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Muhammad,
Thank you so much for your lovely review! 😊
We’re really pleased to hear that you’re happy with your experience with our service. 💳✨
It’s great to know you’re enjoying the experience, and we really appreciate you taking the time to share your feedback with us.
Thanks for choosing JAJA, we’re glad to have you with us! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Kevin,
Thank you so much for your kind review! 😊
We’re delighted to hear that you’ve had an excellent experience with our customer service team. 💳✨
Our team works hard to provide helpful and friendly support, so it’s wonderful to know that their efforts have made a positive impression.
Thanks for choosing JAJA, we truly appreciate your feedback and support! 🚀
Thank you,
Natalie D.
The ease of application
The ease of application, and the user friendly app, has made this a seamless process.
6 July 2026
Reply from Jaja
Hi Marj,
Thank you so much for your lovely review! 😊
We’re really pleased to hear that you found the application process easy and that you’re enjoying our user-friendly app. 💳📱✨
Making things simple and seamless for our customers is exactly what we aim for, so it’s great to know your experience has been a positive one.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Straight forward setting up of my account.
Straight forward setting up on the account, my experience as a more mature person, not Tech 100% savvy, everything was so easy no hassle no need to phone anyone, everything explained so easily. The service has been amazin, user experience, is easy.
29 June 2026
Reply from Jaja
Hi Nathan,
Thank you so much for your wonderful review! 😊
We’re delighted to hear that setting up your account was straightforward and that you found the process easy to follow. 💳✨
We know how important it is for everything to be clear and simple, so it’s fantastic to hear that the app and service have provided a smooth experience for you without any hassle.
Thank you for choosing JAJA, we really appreciate your feedback and support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Adam,
Thank you so much for your review! 😊
We’re really pleased to hear you’ve had such a positive experience with JAJA. 💳✨
Your feedback means a lot to us, and we’re glad to know we’re providing a service that meets your expectations.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Very helpful
2 March 2026
Reply from Jaja
Hi There,
Thank you so much for your review! 😊
We’re delighted to hear that you found our service helpful. Providing clear, friendly support and making things as simple as possible for our customers is what we strive for. 💳✨
Thank you for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Michelle,
Thank you so much for your kind review! 😊
We’re delighted to hear that you’ve had a smooth experience with no issues and that you’re finding the app easy to use. 💳📱✨
We work hard to keep things simple, reliable, and straightforward, so it’s fantastic to know that’s been your experience.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Reply from Jaja
Hi Stephen,
Thank you so much for your lovely review! 😊
We’re really pleased to hear you’re finding JAJA so easy to use. Keeping things simple and straightforward for our customers is exactly what we aim for, so it’s great to know that’s been your experience. 💳✨
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
GREAT AND EASY TO USE
17 July 2026
Reply from Jaja
Hi Rasheed,
Thank you so much for your review! 😊
We’re delighted to hear that you’re finding our service great and easy to use. 💳✨
Providing a simple, straightforward experience is exactly what we aim for, so it’s wonderful to know we’re delivering that for you.
Thanks for choosing JAJA, we truly appreciate your support! 🚀
Thank you,
Natalie D.
Not as advertised
I got this card as it advertised an 18 month 0% balance transfer , since receiving the card that hasnt been the case so ill be closing the account.
10 May 2026
Reply from Jaja
Hi Chelsea,
Thank you for taking the time to share your feedback.
We are sorry to hear about your experience. We have now reached out to you through the in-app Messaging Centre to provide further information regarding the promotional offer on your account.
You can find our message by selecting the More tab > Help within the app.
Thank you again for your feedback.
Thank you,
Natalie D.
I have been dealing with Jaja for about…
I have been dealing with Jaja for about a year now. It was easy to apply for my card. I find the card helpful in large purchases. The service I have received so far has been helpful and they do not pressure you into increases or credit transfers . I would recommend Jaja to anyone who asked me about them.
16 July 2026
Reply from Jaja
💙
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