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Luma offer credit cards with limits up to £1500. Generally for customers who have bad credit history.

About Luma

Luma offer a credit card that is provided by Capital One (Europe) plc. They can be more flexible than other credit card providers, offering cards to those who are new to credit, have CCJs or have less than perfect credit. You can also add additional cardholders easily, in order to streamline your household finances.

In terms of what the Luma credit card offers, features include a credit limit of up to £1,500, no annual fee, along with automated fraud alerts and free identity theft support to help ensure that your account stays safe.

Last Updated: February 2023

Why Apply Through My Financial Broker?

  • Poor Credit Considered: Many of our lenders, like Luma, will consider your application even if you have bad credit. They understand that your credit history isn’t necessarily a good indicator of how you manage your money, and will look at other factors too when making a loan decision.
  • Flexible Options: With a short term loan, you can tailor the loan to suit your needs. You can borrow exactly what you need, and choose the dates of your repayments.
  • Time Saving: My Financial Broker can save you time when it comes to looking into lender options and checking your eligibility. Simply fill in our short online application, and we’ll do our best to put you in touch with a direct lender.

Contact Details

Company Information

  • FCA Registration Number 204440
  • Company Registration Number 03879023
  • Trading Names Luma, Capital One (Europe) plc
Capital One Card Services, P.O. Box 5283, Nottingham, NG2 9HD