Jaja Reviews 

15,924
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 3,302 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the easy and fast application process, often receiving quick decisions. The accompanying app is widely regarded as user-friendly, simple to navigate, and effective for managing spending and account details. Many people also highlight the excellent service received, including helpful advice and beneficial features like payment plans. However, some customers noted issues with customer service, describing unhelpful or rude agents, limited availability, and difficulties reaching a human. A few people also reported problems with payments being declined or cards blocked, sometimes after reporting fraudulent transactions, leading to frustration.

What people talk about most

User experience

People report positive experiences with user experience, highlighting the ease of application and setup... See more

Application

Users describe positive interactions with the app, frequently highlighting its ease of use and... See more

Payment

Clients share ambiguous opinions on payment, with some reviewers praising the ease of direct debit payments... See more

Service

Reviewers mention positive feedback about service, highlighting it as smooth, efficient, and friendly, with... See more

Customer service

Reviewers highlight ambiguous aspects of customer service, with many expressing significant frustration over... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. #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

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

16k reviews

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4.5

All reviews

(15,924)

3,031 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Great card

Got this card with no intrusive questions and since I have had the card I have found it very easy to use and keep track of my repayments and credit limit, given plenty of notice of when my scheduled payments are and very easy to make increased payments if I choose to, easy to navigate down loaded site, I would have no hesitation to recommend this card to anyone.

15 July 2026
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Reply from Jaja

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Rated 1 out of 5 stars

My car was blocked since February 2026…

My car was blocked since February 2026 and I have been unable to use my card for my purchase transaction. It's been a sad experience despite my several calls to rectify this. I am the sole user of my card for purchase and cant fathom why I have been barred from using my card

15 July 2026
Jaja logo

Reply from Jaja

Hi Olumuyiwa,

Thank you for taking the time to share your feedback.

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 matter 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.

Rated 4 out of 5 stars

Amazing card, Pawel W to the rescue!

4 Stars. Whilst the card is good, the communication could be better via the app, as chats close after 24hrs, unless they reply. My card got locked for trying to buy fireworks, But, Pawel W saved me, because my account was going to be terminated in 7 days [23rd of july], HOWEVER I sent in the documents on the 23rd of june, and was biting my nails because i didn't wanna lose my JaJa card, so Pawel was a legend and looked at my documents, and unlocked my account. I didn't have ID, so, i have to send in alternative ID. And it was annoying that it took so long, so at first i asked them for someone to look at lock on my account and extend the lock, and maybe look at my documents, but, it's a decent card. Please do better on that app chat . Other than that, Thanks again to Pawel W, you're a legend and thanks for sorting me out! Also, please remove the silly 24 closure on chats, or you waste time opening more chats, and stuff. it should be 3 days, not 24 hours. Other than that, i can recommend jaja.

24 June 2026
Unprompted review
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Reply from Jaja

Hi Reece,

Thank you for your review.

We're delighted to hear you're enjoying your JAJA Credit Card, and we're especially pleased that Pawel was able to help get everything resolved for you. We'll be sure to pass on your kind words to him. 😊

We have also reached out to you through the in-app Messaging Centre. You can find our message by selecting the More tab > Help within the app.

Thank you again for your review and recommendation.✨

Thank you,
Natalie D.

Rated 3 out of 5 stars

Useful

Simple n easy to use. And using for purchases only instead of cash withdrawals is a goid way to stay safe

3 June 2026
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Reply from Jaja

💙

Rated 4 out of 5 stars

Great and straightforward application

Great and straightforward application, was able to get higher limit then the other providers, however I am not sure when they will increase the limit as the initial limit is no longer satisfactory. Hopefully they will increase it. Otherwise everything good, app is ok, apple pay works fine, I wish I could connect it to apple pay and other banking apps (using open banking) but that's fine.

30 April 2026
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Reply from Jaja

Hi Suraj,

Thank you for taking the time to share your feedback.😊

We're delighted to hear you've had a positive experience with your application, app and card so far. We have also reached out to you through the in-app Message Centre to answer your query regarding credit limit increases.

You can find our message by selecting the More tab > Help within the app.

Thank you again for choosing JAJA!🚀

Thank you,
Natalie D.

Rated 1 out of 5 stars

Very bad experience.ASDA have no option…

Very bad experience.ASDA have no option for people to email them. Have had to resort to complaining via Resolver.co.uk.

Stop denying customers who can't talk on the phone, give them the option to email. Some don't want to talk on your "webchat"

Also, you have just said in your reply that you have been "unsuccessful" in reaching out to me and i am in touch with someone now (Natalia 17-7-2026) Also total disregard based on my review, so whoever has written this reply to me, need to check their facts.

13 July 2026
Unprompted review
Jaja logo

Reply from Jaja

Hi Anthony, 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 via live chat. We are available Monday to Friday, from 9 AM to 5 PM, and will be happy to assist you.

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