Your Creation Card was closed on 01 December 2025.

Transfer

1. When will my account be transferred to Jaja Finance?

   Your account will be automatically transferred to Jaja Finance on the date shown in your communication.

2. What account information will be transferred to Jaja Finance?

   Creation will share all relevant information with Jaja to set up your new Jaja account and to service your account in line with regulatory obligations.

Payments

1. What will happen to my Direct Debit?

   Direct Debits will be automatically transferred to Jaja Finance if you have one set up for payments to Creation.
   
   If you don't have a Direct Debit in place, please set one up in the Creation Card App or online account manager today to continue to keep your account up to date.

2. What do I need to do if I pay by standing order?

   Standing orders will need to be transferred to Jaja Finance, but you can continue to use your Creation primary account number as a reference number.

3. What will my contractual minimum repayment be?

   Your Jaja Credit Card minimum monthly payment will be the same as it is with Creation and will be calculated at 1% of your outstanding balance, plus interest, fees and charges and any arrears (if applicable).

Communications, Statements and Account Management

1. Who will send my communications, statements and regulatory correspondence after the transfer?

   Following the transfer to Jaja Finance, all communications, statements and regulatory correspondence will be sent to you by Jaja Finance.

2. How will I register for the Jaja Finance App?

   Jaja Finance will send you welcome communications explaining how to register for the Jaja Mobile App to help you manage your account.

3. Will I still be able to use the Creation Card App and online account manager after the transfer to Jaja Finance?

   Your Creation Card App, and online account manager will no longer work following your account transfer to Jaja, but you can contact Creation with any historic queries you may have about your Creation account after the transfer to Jaja Finance. Visit our contact us page.

Multiple Accounts

1. What will happen if I have multiple accounts with Creation?

   If you have multiple Creation Card accounts, and receive this notice for those accounts, the applicable accounts will be transferred to Jaja Finance and consolidated into one account and one balance with one monthly repayment required.

Credit Bureau

1. Will the transfer to Jaja Finance affect my credit file?

   Transferring to Jaja shouldn't impact your credit file, if you continue to make at least the minimum monthly repayment and keep your account in good working order.

Extra Support

1. What should I do if I need additional support before the transfer?

   If you need additional support from Creation, please visit our Help page to find support and information available, before the transfer to Jaja Finance or call us on 0371 376 9214¹, Mon - Fri: 8:30am - 5:00pm.

Credit Balances

1. What should I do if I have a credit balance with Creation after the transfer?

   If you have a credit balance with Creation after the account transfer to Jaja Finance, please contact Creation on 0371 376 9214¹, Mon - Fri: 8:30am - 5:00pm to claim any outstanding monies owed to you.