If you invested but haven’t had an invite, they said to contact them.
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Is there any way to suggest amendments to Merchant enrichment?
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So the good news is that the share price is now £1.29 compared to £1.05 in November 2018 - just up under 23% in a year!
Anyone planning to invest more or have any thoughts about this new fundraising round,?
Think that’s planned for the next version of the app.
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Their in app support is near non-existent. Started a support ticket on the 23rd, received a response on 27th, replied within a few hours and am still waiting for a response.
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I’ve had mixed experience.
Have contacted them 3 times with questions or feedback - always in the evening and all in the last 10 days.
On two occasions (one question and one piece of feedback) I received a response first thing the following morning.
On the third occasion (feedback sent 22 Dec) I did not receive a response/acknowledgement.
After getting rejected at the beginning I got approved the second time a month later. This time I entered all my info manual and didn’t scan my photo ID. But might be as well that I’m since 2020 3 years in the UK.
I’ve tried a number of times and never even had an acknowledgement
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Same here, not heard a thing 
I messaged them today asking what was going on as I’d been sat at the top of the waiting list for months. All I got after waiting for I think 4 hours for a response was:
"Thank you Andrew for your patience,
We don’t have a set date to resume onboarding, however given your number it is certain you will be in the next waiting list invite batch
Thank you for Contacting JAJA
Have a great day! "
Whatever you do don’t be tempted to go for Tymit- I’ve had it two days now and it’s awful!
What’s the negatives?
App is very basic and not intuitive
Buggy activation
Although purchases are real time update payment are not can be up to 48 hours (despite faster payment you have to let app know you’ve sent a payment!)
Never had an online customer service interaction just asynchronous email
Compared to Tandem credit card (even without cash back) very poor user experience
I could go on…
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I agree it would be good if Jaja launched before Tandem goes but suspect they are concentrating on a new version of their app and preparing to onboard the BoI/PO/AA customers
I’m less down on Tymit than some others seem to be. I’ve used it for almost two momths now.
The way that it works is slightly different to other credit cards. Each transaction is assumed to be due for payment about ten days from the bill unless you mark it for spreading over a set number of months. That suits me fine, though I know it won’t be for everyone.
I’ve found the instant notifications to work flawlessly on iOS.
I also like using visa over mastercard for international transactions because the rate you see is the rate you get. I’ve forever making minor adjustments in my budgeting software because a Starling mastercard payment in USD has changed by a few pence by settlement. Using visa is a selling point for Jaja in my book.
My payments to Tymit have always appeared within 12 hours or so.
So far I prefer it to Tandem. Can’t compare to Jaja because they rejected my application (for no discernable reason and without credit search) despite being a very small shareholder.
Tymit seems to be very small so far, and almost no activity on their forum. But I’ve no reasons to complain to date… the main problem foe me is the same as some of the other new fintechs - not working with the Open Banking budgeting app I use.
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Does Tymit update the balance as soon as you get instant transaction notification (like Monzo & Starling for example) or does the transaction get presented as pending with the balance only getting updated once the transactions have settled, which could be a day or two later?
Which CRA did you check?
For my application, Jaja searched TransUnion but did not search Experian or Equifax.
Tymit updates the balance immediately. There is a small indicator to say that a transaction is due to be paid in full on billing (unless you change that).
I think of Tymit as a kind of a charge card with the facility to split individual transactions into installments. I guess you are most likely to do it with larger items but there’s nothing to stop you doing it with the price of an can of coke. 3,6, 12 and 24 months available all for the same interest rate, in my case 16.3%.
As to Jaja I couldn’t find a search on any CRA. I’ve been at my current address for 20 months, though with a good income and very full unblemished credit report… on electoral roll, etc. The application chat said I didn’t meet their criteria. They didn’t ask for previous address or for permission to search as part of the process, so my guess is that they reject people with less than three years at current address. (Maybe someone knows different.)
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Does anyone know if Jaja pays any kind of rewards, and also whether they match Monzo/Tandem for exchange rate?
Jaja don’t pay any rewards but do offer the 0% f/x exchange rate like Monzo/Tandem (using Visa rather than MasterCard)
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What happens if you pay it off early and can you pay it off without paying your entire balance? It sounds like you could end up with lots and lots of balances with different repayment periods