Luma Card

  • Business Name: Luma Card
  • Phone Number: 0844 2482 798
  • Opening Times: 9am-6pm
  • Head Office Address: Capital One Card Services, P.O. Box 5283, Nottingham, NG2 9HD
  • Website: http://www.luma.co.uk/
 Luma card logo
If you have previously struggled trying to get a credit card due to no or bad credit score then Luma might just be able to help you out. Luma is the ‘friendly’ credit card which approves even those with a bad record as they believe that everyone deserves the opportunity and freedom of a credit card. It is owned by well-known financial company Capital One. The Luma card has a range of features designed to make it extremely easy to manage and will do their best to ensure that you get a credit card, even if you are new to credit, have CCJ’s or any other issues with your credit rating. The Luma card allows for both online and mobile account management so you can manage your card and account on the go. Luma card will consider even the worst credit history and approve people more often than not, so it is definitely worth checking if you are eligible.
Luma Card Number
Customer Service  0844 2482 798
Credit Cards  0844 248 2799
Your Account  0844 248 2801
Registration Process  0844 248 2802
Complaints  0844 248 2803

By calling the above numbers, we can connect you to those Luma Card departments. All calls to this number cost 7 pence per minute, plus your telephone network access charge. Please note we are not associated with any of the companies listed on this website. We offer a call connection service.

Customer Service – 0844 2482 798

There is a helpful team at Luma Card who are willing and available to answer any of your questions or look into any issues that you might be having as a potential or existing customer of Luma. A lot of information about Luma, including details of the credit card they offer and who they offer it to can be found on their website, but if you have specific questions or are having issues applying, then the customer service contact number is available to help you out with anything that you need to know. Applying for a credit card can be a little tricky and Luma are determined to make sure your experience is as hassle free as it possibly can be – they even provide handy guides on their website for anyone that would like to know a little more about having the responsibility of a credit card.If you are considering applying for a credit card, the problem of deciding which firm to go with is always present, because there are just so many to choose from. If you would like to know a little more about Luma as a company before you commit to applying for a credit card from them then you can call a friendly member of the customer service team who will be able to provide you with in-depth information about Luma as a company as well as informing you of the benefits and gains you can have by being a Luma customer. If you have been rejected for a credit card application and are unsure as to why, please call the customer service team to speak to a financial advisor.

Credit Cards –  0844 248 2799

You can read all about the Luma credit card and its features on the Luma card website. It is important that all information is taken into account before you decide to apply for a card. Although in the cases of many, getting a Luma card is no issue, you still need to see if you are eligible for the card as there may be cases where a person is rejected due to their circumstances. Similarly, once you have the card, failing to manage your credit rating sensibly could result in a seriously harmed credit rating so please consider this carefully if you are a Luma card user. The Luma card has a lot of great features, its key ones being the ability to manage your account online and via an app, and the ability to add additional users onto the card so that, for example, you can keep an eye on the overall expenditure of your household. Please remember that if you did choose to do this, you will still; be liable for any expenditure on the card. Luma card offer great credit limits of up to £1500 and has no annual fee to use it. In fact, there are no hidden charges or nasty surprises at all with the Luma card. For full Luma card product details, simply head to the Luma website. Once you have read through the terms and conditions and are happy to proceed and apply, simply click the ‘apply now’ button on the Luma homepage or call the credit cards number and apply over the phone. If you have any questions at all about the application process and what it involves, you can call the credit cards contact number during the times shown in the table above.

Your Account – 0844 248 2801

Once you have applied for a Luma card, you will be asked to create a Luma account. This account will be used to manage your card as well as see things like your current expenditure, current transactions you have made as well as the credit limit of your card. If you notice anything suspicious on your account such as transactions that you haven’t made or a sudden change to your credit limit please call the account contact number as soon as possible to alert a member of staff. If you forget the login details to your account, again call the contact number so that someone can help you gain access securely. To access your account, you will need to use a username and password and log in either via the Luma card app or on the Luma card website. The Luma card app is a great way of controlling your finances on the go and also allows extremely quick access to your balance, ensuring that you are only spending within your means. It also means that you are using less paper and reducing paperwork as you can receive all of your statements electronically. You can also use your account to pay off any bills online to ensure that you are paying off your credit card in full when your payments are due.

Registration process –  0844 248 2802

This section will explain exactly what the registration process involves when applying for a Luma card. The registration process will need to be completed online and involves three steps in total. The first step will be to enter the number of your Capital One card (you will have to be the primary cardholder of the Capital One account) and enter the name on the card. Secondly, you will be required to enter your personal details (name, address etc) and thirdly you will be asked to create your profile.

Complaints –  0844 248 2803

Luma card is designed to help out even those with the worst credit history, and so try to do right by their customers at all times. However, if you do have a complaint to make to Luma Card, whether it be about their customer services, their policies or their efficiency then do not hesitate to call the complaints number where a member of the team will help to resolve your issue. Hopefully, your complaint will be dealt with and resolved quickly during your first call, but if it is complex and needs looking into, you may have to expect a callback in a few days time once it has been escalated to the correct department. if you prefer to have something in writing when it comes to registering a complaint, simply address a letter containing your contact details to the address listed in the table above.