Being self employed it was difficult to get credit, I had a few credit rebuilder cards before this one who had very poor customer service, emails went unanswered, poor phone service and often times endless phone calls day in and day out if you happened to miss a payment date. I've found capital one a pleasure to deal with, I paid every month but due to cash flow issues I alerted them I would be behind on my payment, they can see from my account that I make regular payments on time, I got nothing but respect when dealing with them and they helped me solve my issue very quickly and have really made my life a whole lot easier. I highly recommend them to anyone thinking about getting a credit rebuilder card, one of the best companies I've found in dealing with people who are outside of the "normal" financial circumstances.

From my own personal experience I have to say my luma credit card has helped dramatically!! I applied with an extremely bad credit rating through being young and very stupid with money. Now 24 with a baby, house to buy and a partner I'm marrying I needed something to help build bridges with my credit file and me. Luma has done just that. As I was saying my credit history was shockingly poor no one would let me have £10 never mind the £200 starting balance I had. As it was so small it's been easy to manage and I have literally used it on a monthly basis and paid the full balance off on payday, this has meant no intrest and has really really helped my credit file. I have nothing bad to write on here as my card and pin was received within 4 days of being accepted and haven't looked back since! These cards are high intrest but when using to build/ re-establish a credit rating there is no need to go crazy'

After applying for a Luma card, it only took a week and it was here - easy manageable limit and able to manage my account online. Great ! Thanks Capital one for giving me a change to sort my rating out.

I applied for a luma card to go through all the checks to say i'd passed & would get my card in post upto 7/ 10 days so i rang customer services a week later to be told ive only been provisionally approved despite online saying id been approved even taking my bank details to set up a direct debit

I applied for a Luma Card one week ago, after being accepted online, was told that I could have £500 credit and that my pin would arrive in 3 to 5 days, I went and entered my bank details to set up the DD and sat back and waited. 7 days later had still not received anything so thought that maybe I had filled the form out wrong and decided to do it all again, this time I was not accepted due to the fact my credit score was too low. How come? My credit score is the same, I thought this company was to help rebuild, I know I have had problems in the past but I am now in a better financial situation and working hard to rebuild my score, ah well, wont bother again

I have been using this card just over a month. I have poor credit rating and luckily I got accepted and my credit limit is £1000. I just wish the interest was lower though. I am hoping using this card will improve my credit rating. Overall I am pleased with the card so far.

I only heard of the Luma card through a money email I recieved - we are (now)a good credit rating and the attraction for me was that IF each month it was paid off in full then one gets 4% back on Supermarket and fuel spend. Yup; that's right. Spend £100 at the supermarket and you will get back £4. There is a limit on the yearly amount one can get back (I think it is £108) but we are coming to the end of our first full year with this card and they owe us just over £90. This is payable in January (for us, anyway) I use another cash-back card for other purchases. I had to call the company once as I was struggling with the on-line thing (I'm no Bill Gates) and they were most helpful. btw if you apply, you MUST SPECIFY the Cash-back card, and we would recommend having it paid off by DD. Note: as our children have left home we no longer have the grocery bills we used to. If we did, I think we'd have been better applying for a card each instead of a joint account. That way we could rack up more cash-back. Remember! Pay it off EVERY month!! (They are part of Capital One by the way)

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

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.

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 my credit rating and I would recommend.

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 handy as a last resort card. Don't bother using it for more than £200 or they will try to screw you over.

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 case. Customer service are rude and no help at all,no manners,couldn't even apologise for what has happened,I couldn't care less now if i don't receive the card or not. I wound recommend vanquis for anyone wanting to built n there credit rating,I find them very good and no hassle at all.

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

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??

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.

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

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 with me and I'll use it for things I normally buy like weekly shopping, that way it's responsible and affordable and I'm building a better rating. I Highly recommend if you have been in a similar situation to me, and just want to build a better rating without the shame of constantly being rejected!

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