Luma
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About Luma
Luma offers a credit card designed for individuals with poor credit, providing manageable credit limits and a straightforward application process. Users can improve their credit ratings by managing their accounts responsibly and accessing online tools for account management.
Apply for a credit card that helps you build your credit rating.
What You Can Do
- Check eligibility with QuickCheck
- Manage your account online or via mobile app
- Add additional cardholders for household management
- Receive automated fraud alerts
- Access guides for responsible credit use
Frequently Asked Questions
What is the minimum credit limit for the Luma card?
The minimum credit limit for the Luma card is £200.
Is there an annual fee for the Luma credit card?
No, there is no annual fee for the Luma credit card.
How can I improve my credit rating with Luma?
By managing your Luma card sensibly, making payments on time, and staying within your credit limit, you can improve your credit rating over time.
Can I manage my Luma account online?
Yes, you can manage your Luma account online or through the mobile app at any time.
What happens if I miss a payment?
Failing to manage your card sensibly, including missing payments, could harm your credit rating.