Credit card

Still your credit card, but simpler

Here's to the start of something new

On 3 October 2020 your credit card provider changed to Jaja. To enjoy all the benefits of your new credit card app or your secure online account simply register today.
Latest update and more information

Manage your card on the go

Use our new Credit Card app for a secure and convenient way to access your account on your mobile phone. It's free to download and available on iOS and Android™ devices from the App Store and the Google Play™ store.

Android IOS

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Manage your account by phone

0345 600 5606

From abroad: +44 117 456 9835

Lines are open Monday to Saturday 9am to 8pm, Sunday 10am to 6pm.

Calls may be monitored or recorded for training and compliance purposes.

Call now

Report a lost or stolen card

0345 600 5606

From abroad: +44 117 456 9835

Lines are open 24/7. If we detect potential fraud on your account, we'll contact you securely by SMS or email.

Calls may be monitored or recorded for training and compliance purposes.

Call now

FAQs

Move to Jaja Finance Ltd

Will I get a new credit card?

Yes, but not immediately. Your existing AA Credit Card and PIN will continue to work as normal until you get your new AA Visa Credit Card issued by Jaja. Until then, please carry on using your existing card. You don't need to do anything and we'll provide you with more details in the coming months.

Will my PIN still work?

Yes, your current PIN will continue to work – you won't receive a new PIN when you get your new AA Visa Credit Card from Jaja.

happens if I'm away when my new credit card arrives from Jaja?

If you're away, your existing AA Credit Card will continue to work for 30 days after the new card has been issued.

Is there a difference between Visa and Mastercard?

Visa and Mastercard are different card networks. Both types of card are accepted at millions of retailers in over 200 countries worldwide, so you won't notice any difference in how you can use your new AA Visa Credit Card.

How do I activate my new card?

You can activate by making a chip & PIN transaction or by activating in your new app or online servicing. You’ll always need to make a chip & PIN transaction to enable contactless transactions.

Can I manage my credit card over the phone?

Yes, you can service your account by calling us on 0345 600 5606*.

Can I manage my credit card online?

To enjoy all the benefits of your new credit card app or your secure online account you'll need to register. You can register online or by downloading the new AA Credit Card app.

Will I still receive paper statements?

If you currently receive paper statements, you'll still receive them in the post.

When did my new Terms and Conditions (Ts&Cs) become effective?

Your new Ts&Cs became effective on 3 October 2020. View the updated Ts&Cs and a summary of key changes.

Where can I find my new privacy notice?

You can read how your data will be treated securely in line with UK data protection legislation, in the Jaja privacy notice.

Using your card

How can I make a balance transfer?

You can complete a balance transfer application by calling us on 0345 600 5606*. You’ll need the card number of the account you want to transfer funds from, and the amount to be transferred.

The minimum amount you can request to transfer is £100, and the maximum depends on your credit limit. It may take between 2 and 3 weeks to process your application. During this time, you'll need to keep making payments to your original credit card until you receive confirmation that the transfer has been successful.

As our credit cards are provided by Jaja Finance, you can't transfer balances from any other credit card you hold that is provided by Jaja Finance.

What's a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services up to £45 without entering a PIN. To make a payment, just follow the instructions on the terminal and place your card over the reader.

Is there a fee for withdrawing cash?

Yes, you'll be charged a 2.99% handling fee when you withdraw cash – the minimum fee is £3.

Is there a fee for balance transfers?

There is, we'll tell you what this is when you complete a balance transfer request.

Can I get a copy of a statement?

Yes, call us on 0345 600 5606.* It costs £5 per statement requested.

What are the default charges?

There are charges for:

  • Late payment £12
  • If you go over your credit limit £12
  • Returned or unpaid direct debit or cheque £12
Where can I see my Ts&Cs?

You can find them here.

What is Persistent Debt?

Find information about Persistent Debt.


FuelSave Credit Card

How often do I get cashback?

Your account will be automatically credited every 3 months in March, June, September and December each year with the cashback amount you have earned over the 3 months. It'll show as a credit on your monthly statement as 'Rewards Cashback'.

Do I earn cashback on all spend?

Yes, you can earn cashback on all purchases, however the amounts vary:

  • You'll earn 0.5% on all other spend excluding fuel If you spend £500 or over on your card – you'll get 4% cashback on fuel spend.
  • If you spend below £500 on your card on all purchases including fuel, you'll receive 2% cashback on your fuel spend.
  • You can earn a maximum of £150 each calendar year.
Where do I need to buy my fuel from to qualify for fuel cashback?

Eligible retailers are service stations with fuel facilities that are identified by the Merchant Category Codes 5541 or 5542 – this includes BP, Tesco, Esso, Murco, Shell, Sainsbury's, Texaco, Asda, and Morrisons. Items such as food, bought in the forecourts will also earn you cashback.

How often will the FuelSave Credit Card fee be taken & how?

There's no annual fee for the first 12 months. After that, you'll be charged an annual fee of £42 for your FuelSave Credit Card. This is split into 12 monthly charges of £3.50, which will appear on your statements as a transaction.

What if I have a query with my cashback?

If you've got a question about your FuelSave Credit Card call us on 0345 600 5606*.


Security

What do I do if my card is lost or stolen?

If you suspect that your credit card has been lost or stolen, or that someone else knows your PIN, call us immediately on 0345 600 5606.*

Can I change my PIN?

Yes, you can change your PIN at most cash machines, but you'll need to know your existing PIN. If you've forgotten your PIN, you can view it in your app or online by logging in to online servicing. Be sure not to disclose your PIN to anyone else.

Or you can call us on 0345 6007 5606* and we'll post you your PIN – it can take up to 5 working days to arrive.

What should I do if my PIN is blocked, or I forget my PIN?

If you forget your PIN, you can view it in your app or online by logging into online servicing. Or call us on 0345 600 5606* and we'll post you your PIN – it can take up to 5 working days to arrive.

If you enter your PIN incorrectly 3 times in a row while using it at a cash machine or to pay, it'll be blocked. If you made a mistake while trying to pay but know what your PIN is, you can unblock it using a cash machine attached to a bank, and choosing 'PIN/Card services' then 'Unblock your PIN'. If you blocked your PIN at a cash machine, it'll automatically unblock after 24 hours.

If you need help call us on 0345 600 5606* – we can unlock your account and post you your PIN, however it can take up to 5 working days for this to arrive.


Servicing your account

How can I manage my account after the move to Jaja?

To manage your account online, you'll need to register at www.theaa.com/manageyourcard. Registration is quick and easy and once registered, you'll be able to make payments, see your PIN, view your statements and much more.

You can also use your smartphone to manage your card on the go. Our new credit card servicing app is free to download and is available in iOS and Android from the dedicated app stores.

If you have a question about your account you can call us on 0345 600 5606.*

How can I make payments to my credit card?

You can set up a Direct Debit through your app or online servicing. Alternatively you can make instant and secure one-off payments to your credit card using our Online Servicing or the AA Credit Card mobile app.

You can also pay by phone, or by using your internet banking if your current bank or building society provides this.

See the back of your statement for details on all payment options.

When I make a payment, why am I asked to submit a passcode?

When you make a payment on the mobile app or the online account using your debit card, you may be asked to input a passcode or verify the payment via your app. This will be determined by your bank or building society's 3D Secure provider. If you don't receive a passcode, check your contact details on the 3D Secure payment screen are correct. If they're not you should contact your bank or building society.

How can I keep my promotional offer?

To keep your promotional offer make sure you stay within your agreed credit limit and make your minimum payment on time every month.

How will my payment be used to pay my outstanding credit card balance?

When you make a payment, the money you give us will come off your credit card balance in this order:

1 – Balance with the highest interest rate first: your payments will be used to pay off any outstanding balance that you owe in the order of highest interest rate to lowest interest rate. This means that the balance at the highest interest rate will be paid off first.

2 – If you have more than one outstanding balance at the same interest rate: your payment will be used to pay cash advances first, then the things you've bought (including anything you bought in your introductory period), then any fees and charges, before finally paying any promotional balances – this is balance at a different interest rate to your standard APR for a limited period. The exception to this is that any default charge you haven't yet had to pay interest on, in which case the default charge will be paid off last.

3 – If you have more than one promotional balance at the same interest rate: your payment will go to pay the balance where the promotional period ends first.

If you've paid more than your monthly statement balance, anything left over will go against transactions that have not yet appeared on your statement in the same order as those that have.  

How can I cancel my direct debit?

If you wish to cancel the direct debit to your credit card, you'll need to contact your bank or building society directly.

How often will I receive a statement?

You'll receive a statement every month, unless there are no transactions and you don't owe anything.

What can I do if I am having difficulty paying?

If you feel you're getting into financial difficulty, it's important you contact us on 0345 600 5606* as soon as possible so we can help. You can also find information on where to get financial advice in our Managing your finances information.

Making a complaint

We realise sometimes we may not meet the high standards you have come to expect from us. If you want to make a complaint, you can contact us by:

  • Phone 0345 600 5606
  • Write to us at Jaja Finance, RRD Leicester, PO Box 10782, Wigston, LE18 9HS
What information do we need from you?

To help us investigate and resolve your complaint, let us know:

  • Your name and address
  • Your account details and what the complaint relates to
  • A description of the problem and when it happened
  • How you would like us to put this right for you
  • Contact details and the best time to contact you
How long does it take for us to respond?

We'll make every effort to resolve your complaint as soon as possible; this will usually be within 15 days and no later than 56 days. We'll make sure to keep you updated throughout the process.

What if we don't solve the problem?

If you're unhappy with our final response, or if we haven't given you one within the 56 days of your complaint, you may refer your complaint to the Financial Ombudsman Service for help and advice. If you decide to refer your complaint, you should do so within 6 months of the date of our final response letter.

Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Phone 0300 123 9123
If you're phoning from outside the UK: +44 207 964 1000
Email [email protected]

Online dispute resolution

We always try to resolve any complaint to put things right. However, if you've already contacted us and we have not resolved your complaint to your satisfaction, you may wish to use:

https://ec.europa.eu/info/live-work-travel-eu/consumers/resolve-your-consumer-complaint_en.

This is an online portal designed to help consumers dispute a complaint resolution.


Using your card abroad

Will I get charged for spending abroad?

A 2.99% non-sterling purchase fee is added to the sterling value if you use your credit card abroad to pay for non-sterling purchases.

When you use your card overseas, your payment will be converted into sterling.

If you hold a Mastercard credit card

Your payment will be converted into sterling by the Mastercard exchange rate You can visit the Mastercard website, where you'll find a calculator to use to compare currency conversion charges for card transactions in Euros and other European* currencies. 

How to use the Mastercard Exchange Rate Calculator:

  1. From: Select the currency you'll be using for the transaction
  2. Amount: Enter the amount you want to spend in the currency you'll be using for the transaction
  3. To: Select Great British Pound (GBP) from the dropdown menu
  4. Bank fee: Enter 2.99
  5. Date of transaction: Select the date on which you'll be making the transaction

If you hold a Visa credit card

Your payment will be converted into sterling by the Visa exchange rate You can visit the Visa website, where you'll find a calculator to use to compare currency conversion charges for card transactions in Euros and other European* currencies.

How to use the Visa Exchange Rate Calculator:

  1. Amount: Enter the amount you want to spend in the currency you'll be using for the transaction
  2. Bank fee: Enter 2.99
  3. Date requested: Select the date on which you'll be making the transaction
  4. Card currency: Select British Pound (GBP) from the dropdown menu
  5. Transaction currency: Select the currency you'll be using for the transaction
  6. Calculate exchange Rate: Press the Calculate exchange rate button to see the exchange rate and Visa charges for the transaction 
Will I get charged for cash advances?

You'll be charged 2.99% of your withdrawal or £3, whichever is greater, when you withdraw cash advances abroad using your credit card. This is in addition to the non-sterling transaction fee. If you withdraw cash abroad you'll be charged interest even if the account is paid off in full.


Online fraud prevention

Visa Secure

What's Visa SecureCode?

Visa Secure helps prevent the unauthorized use of your card. During an online purchase, you may be guided through an extra check to verify your identity. This helps us make sure you’re you and better protects you from fraud. Learn more about how it works at www.visa.co.uk.

Can I still use my AA card at online retailers that aren't participating in this program?

Yes, your card will continue to work as usual even if the retailer isn't part of the program. 

Mastercard SecureCode

What's Mastercard SecureCode?

Mastercard SecureCode is a fraud prevention service to protect your credit card details when buying goods and services online from any retailer participating in the service.

How does Mastercard SecureCode work?

Once you've registered and created your own private SecureCode, you'll be asked to provide it by your financial institution at the checkout each time you buy from a participating online merchant. It's quickly confirmed and then your purchase is completed. Your SecureCode will never be shared with the merchant – it's just like entering your PIN at a cash machine.

If you have any queries during the activation process call us on 0345 600 5606.*

You can find more answers about Mastercard SecureCode here.

And you can read the Mastercard SecureCode Terms of Use here.

What about the card security code?

The card security code, CVV or CVC2, is the last 3 digits on the signature panel on the back of your card. It's used as an extra security measure to make sure you have the card you're using.

Can I buy at online retailers that don't participate in Mastercard SecureCode?

Yes, you can – just follow the normal payment process.

Help and guidance
We want to make sure that managing your finances is as straight-forward as possible. That’s why we have written some guides to help you both everyday or when things aren’t going quite as you’d planned.

Managing your money
Money worries
Bereavement
Redundancy
Caring for others
Divorce and separation

Contact us
How to dispute a transaction

If you need to dispute a transaction on your account, call us on 0345 600 5606.

Good to know

The AA Credit Card is provided by Jaja Finance Ltd.

Jaja Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 775979. Registered office: 3 Valentine Place, Southwark, London SE1 8QH. Registered in England and Wales number 09797750 .