Luma Credit Card Reviews - www.luma.co.uk

★★★☆☆
3.0 / 5
52% of users recommend this
  • Customer service

  • Value For Money

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Luma Credit Card - www.luma.co.uk

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Latest Reviews

★☆☆☆☆

“full ov rubbish they do not giv quick answer in 60secs.”

Written on: 08/12/2014

This is just another credit company trying to rip people off, i also believe they are using peoples details to sell on to-god knows who! But as a test i entered 2 of my friends details (with their permission) and in each case they DID NOT give an answer within 60secs,as they claim. Rather-they asked for postage of documents!! STEER CLEAR wud b my advice. I also think that the positive reviews are false and written by employees… Read Full Review

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★★★★☆

“Great so far”

Written on: 22/11/2014 by 104Vaughan (1 review written)

Am happy with the service so far, applied about a week ago got expected and received my pin, just waiting on my card to come. My credit is very poor and could not get anything at all. They have give me a credit limit of £200 which is great for me easy to handle. I've also set my online account up and it all looks easy to understand. … Read Full Review

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★★★★★

“Great for rebuilding credit”

Written on: 01/11/2014 by Ashantiy367 (1 review written)

I was successful in obtaining a Luma card in April 2014. I have a poor credit history and was given an initial limit of £300. After 6 months of borrowing an amount and paying off in full every month they have increased my limit to £700. My credit score has improved and I was also able to take out a different card that I intend to use for emergencies. The iphone app is great for managing your account and ensuring you stay within your limit. This has been really helpful for me to improve… Read Full Review

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★★★☆☆

“Last Resort Credit Card”

Written on: 05/09/2014 by SarcasmSuitsYou (1 review written)

So I've had this card for a while as my first credit card. Started off ok. However they didn't set up the direct debit I asked for and CALLING CUSTOMER SUPPORT IS MEGA EXPENSIVE. When my card got lost it took them a month to send me another. The statements aren't very clear. I recently paid £570 off £650 but they have worked it out to me oweing them £800. I'm no mathematician but that ain't right. I'm patient but two days for them to get back to me is a bit much. Overall... It's… Read Full Review

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★☆☆☆☆

“Worse card and service!!!...misleading!!!”

Written on: 08/08/2014 by 384Mooney (1 review written)

Applied for this card online and was accepted,I then made a phone to luma to confirm everything to be told everything was fine and I would receive my card and pin along with £1000 credit limit....I made a further phone call today(1week later) to be told it is in the final checks??and that I have to wait until I receive a letter confirming that I am going to receive it as applying online is just one of the checks??they should not tell people that they are accepted if this is not the… Read Full Review

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★☆☆☆☆

“Rubbish”

Written on: 06/08/2014 by ndKennedy292 (1 review written)

Applied for luma card and was denied even though had fell time employment advise is to stay away from this card and this company they don't except you like they say… Read Full Review

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★☆☆☆☆

“Please do not advertise your card for people with poor...”

Written on: 19/07/2014 by Poorcreditnohelp (1 review written)

Please do not advertise your card for people with poor credit...I have poor credit therefore I applied for your card and my application was declined for having poor credit!! So it's misleading really isn't it??… Read Full Review

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★★★★★

“Brilliant”

Written on: 14/07/2014 by MarleneJohnston (1 review written)

Have had bad credit history in the past, applied for the card approved straight away, got a limit of £1500 brilliant and received the card and pin within a week.12 months later increased to £2500 has done wonders for my credit score. Now have applied for a Barclays platinum card been approved with a limit of £6600. Luma is a great credit building card as long as you are sensible… Read Full Review

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★☆☆☆☆

“AVOID DA LUMA CARD PERIOD !!”

Written on: 09/07/2014 by hollyhansop (1 review written)

VERY HIGH INTEREST RATES, VERY LOW CREDIT LIMITS, ADVERSE EFFECT AS OTHER LENDERS CAN SEE YOU HAVE A SUBPRIME CREDIT CARD. AVOID AT ALL COSTS ME THINKS !! BETTER OFF APPLYING FOR A MBNA 6% GOLD CARD NOW THATS WHAT I LIKE TO KEEP IN MY PURSE !! XX… Read Full Review

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★★★★★

“Great card for the not so perfect Credit History”

Written on: 07/07/2014 by Aimeej426 (1 review written)

My online application was referred as they need to make additional checks, which was fine. I received my approval letter and pre-contract 11 days later which also explained everything to me in great detail. The card followed 6 days later. This is my first type of credit since things went bad for me years ago, I have finally paid my debt off through a management plan and was looking for a credit card to rebuild my credit rating. The Luma card is ideal, a small £200 limit is absolutely fine… Read Full Review

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★☆☆☆☆

“Applied online heard nothing back so he tho”

Written on: 02/07/2014 by 227Whitehead (1 review written)

Luma say 60second reply or reply by post is this the last post… Read Full Review

Emmagracemarlow's Comment

Written on: 05/07/2014

Sometimes there don't give a automatic yes/no which is good as it will go to an underwriter. So I am guessing you're in a que to be dealt with. The average wait is 7/10 days. I applied for the capital one aspire, I was approved instantly for £7500. So perhaps something on your credit files flagged up a referral.

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Hollyhansop's Comment

Written on: 09/07/2014

you wont hear anything back if your credit is that badly effected that they wont consider you for a card!!

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★★★★★

“Super luma”

Written on: 28/06/2014 by Fatima.miah (1 review written)

I think luma is Riley exallant and best brand ever And it's so. Good I buy the credit card and the Terms and coitdisons are rlly good And the bestbuy to… Read Full Review

Mrmisters's Response to Fatima.miah's Review

Written on: 16/09/2014

Good, now go use your Credit Card to buy some spelling lessons because your grammar is terrible, My 8 year can spell better !!!

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★☆☆☆☆

“WORST CREDIT CARD ON THE MARKET”

Written on: 22/03/2014 by 67McCabe (1 review written)

The customer service is terrible also they owe me money which I over paid Rang them 4 times still no refund. Please stay away if you can the interest is sky high… Read Full Review

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★★★★☆

“No problems so far”

Written on: 20/03/2014 by Robthenob (1 review written)

Applied for this card 7 months ago , credit limit was £1500 received a letter confirming an increase to £1750 I had no credit when I applied for this! The APR on this card for me is 29.1 just applied for the tesco credit card instant approval with a limit of £3100 so it's bye,bye luma AKA Capital one...Never had a problem with this card!… Read Full Review

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★★★★★

“I'm very very impress to luma”

Written on: 11/02/2014 by Sexywife12 (1 review written)

Luma is the best card ever. I proses to get the card Not for long I got the card very quick. And I'm enjoying I would say to every one who have big problem With finance luma all ways there to help Thanks god you creat the luma name of card To help those have bad time. Thanks luma I am very proud of you. Anil thapa from barry… Read Full Review

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★★★★★

“The best customer service ”

Written on: 11/02/2014 by allyMro (2 reviews written)

My Bank transfer when horribly wrong. Luma customer service was absolutely brilliant and helpful. And such a lovely people in Nottingham office. … Read Full Review

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★☆☆☆☆

“Terrible ”

Written on: 14/01/2014

Applied 30th/of twelve 13 Accepted straight away heard nothing about Application rung on the 10th of january and was told Pin was on the way and if i still hadnt heard anything to ring back on the 14th(today) and am now told i have not been accepted for the card So there customer service agents LIE to potential Customers Then they Reverse there decision and dont notify you of the Change… Read Full Review

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★☆☆☆☆

“luma credit card ”

Written on: 06/12/2013

THESE are run by crapital one and they charge intrest even tho balance is paid in full my advice stay well clear of this muppet of a company but say no more they like you to spend but when it comes to paying it back they send you emails saying we can up your credit limit but make sure you pay on time had a cheek to say that like… Read Full Review

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★★★★☆

“Very good credit card so far”

Written on: 02/10/2013 by sammyjayneex (9 reviews written)

This is such a good credit card as i applied and got accepted and was given the promotional interest free for about 2 months which was great and i have been managing my account so far. The only problem i have is that they gave me an initial credit limit of £200 and never increased it but i have only been with them about 7 months so maybe thats why? Overall love my luma card! Best credit card i think for people with poor credit… Read Full Review

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★★☆☆☆

“credit limit”

Written on: 20/08/2013 by Boudica1 (1 review written)

I've got two other credit cards and they have increased my credit limit substantially however Luma keep me on £200 limit even though I manage my account online and pay min. payment and interest beginning every month. I have not defaulted on any payment and yet Luma refuse to give an increase. I am having to therefore close my account with Luma asap. I have not aware of any benefit with Luma… Read Full Review

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