Luma Contact Number

About Luma

People with bad credit histories sometimes struggle to get themselves a credit card. This is unfortunate, as credit cards help to provide people with an additional layer of financial security of they encounter any kind of problem which will cost a lot of money to resolve. This can be very frustrating, but Luma provide a credit card solution to those who have been turned down by other businesses because of their credit ratings. Luma’s all-encompassing approach to its customers are what has helped it to cement itself as a big name in the credit card world.

A Luma card can be easily applied for over their website and once it’s all gone through, you can also easily manage the card by logging into an account on their site. Once you’ve gone through the application process, you could find yourself with a MasterCard a short time later. It’s a simple process and one which should be easy enough for the majority of customers. You can get an answer to the question of whether you are eligible within sixty seconds.

Features of a Luma Card

Besides the fact that the Luma Card can be obtained even if you have a rather low credit score, there are several appealing features to Luma Cards. Take a look over this list of some of them:

• They can provide you with manageable credit limits of up to £1,500.
• If you have a low credit score, having a Luma Card and using it responsibly could really help to improve it.
• You are provided with an online account manager and an easy to use app.
• You can add additional cardholders in order to help streamline your household finances.
• Luma are very open about what they provide and what you’ll get from them. There are no hidden fees or nasty surprises.
• You are given automated fraud alerts which will help to protect you from fraudsters.
• They provide free identity theft cover to customers.
• They also provide guides and advice for using credit cards responsibly, which might help you to avoid repeating mistakes which you may have made in the past.

These features might prove to make financing and budgeting a lot easier, that’s in addition to the extra security that that comes from owning a credit card.

Responsible Credit Card Usage

It’s very important to use your credit card responsibly. If you do so it could actually help you to improve your credit, but failing to do so could cause your credit rating to fall even lower and make applying for credit cards in the future even harder. Examples of responsible credit card usage include staying within credit limit and making your payments. If you do not these things, it could ultimately lead to you falling very deep in debt, which is something which is always best to be avoided.

Contact Luma

If you need to get in touch with Luma for whatever reason, here are some of the easiest ways for you to do so.

Luma Telephone Number

Here are the different Luma contact numbers, each with its own purpose:

That should provide customers with the number they need to contact whatever department they’re trying to get in touch with. If there’s any uncertainty about which number to call, just try the customer services line and they should be able to answer any questions you have, or at least to point you in the direction of somebody who can.

Luma Contact Address

If you wish to contact Luma in writing, you can do so by sending your letter to the following address:
Capital One Card Services,
P.O. Box 5283,
Nottingham,
NG2 9HD
If you are planning to send a cheque through the post, be sure to send it to this alternative address:
Capital One Card Services,
P.O. Box 1000,
Camberley,
U15 3ZQ

How to Download the Luma App

The Capitol One App makes it much easier to manage your finances and allows you to keep track of everything you’re doing on your Luma card. If you’re out shopping and interested in making a purchase, you can take out your phone and check how much money you’ve got to spare at that time. Always having it to hand will mean that you can check to prevent yourself from impulse buying too often and you can always be sure that you stay within your credit limits.

• If you are using an Apple device, you can download directly by visiting this link.
• If you are using an Android device, you can download it directly by visiting this link.

Those link go straight through to the Apple App Store and the Google Play Store, so if you are not using your smart device right now, you will easily be able to find what you’re looking for by going on your phone and searching for “Capital One” in your respective phone application shop.  Alternatively, return to this website and your smart device and then follow those links.

Who Owns Luma?

The Luma Card is provided by Capital One, which is the eighth largest bank holding company in the UK. The company was founded in 1994 and were initially a corporate spin-off of the Signet Financial Corp. They operate from Virginia in America and their influence is such that they are providing a popular credit card exclusively to be used in the UK. This can of international approach to business only comes from businesses which are extremely large and powerful, which Capital One is both of. Capital One is one of the reasons that credit cards became so widely used during the 1990s, as they were providing a service which was obtainable to even those with poor credit history. Luma is a perfect example of this and over the years they have provided many cards with similar features and appeals.

The UK headquarters for Capital One is in Nottingham and it is in these offices that information regarding Luma will be handled. The Nottingham base of operations is just one of the international locations for Capital One. They also work in Canada and in the past, they also had offices based in Spain, Italy, France and South Africa. These other international offices have since closed, however.

How to File A Complaint to Luma

If you are unsatisfied with the service provided by Luma, you can file a complaint to them via the following process:

• Put your complaint together in writing, with as much detail as possible
• Include your full name, address and account number.
• Include the number which you would prefer to be contact on and let them know what time of day you’d prefer them to call.

Complaints sent to Luma have a slightly different address. Please address them as follows:

Complaints Resolution
Capital One,
PO Box 5281,
Nottingham,
NG2 3HX

They will acknowledge receipt of this complaint as soon as possible and will provide an initial response within four weeks. Within eight weeks they will get back to you with a “Final Response” which will hopefully put your concerns to rest. If you have not heard from them by the eight week mark, they will get in touch to explain why it is taking longer than usual to process complaint. If you are still unhappy when the final response does come through, then it is possible for you to take it above Capital One (the owners of Luma.)

As Capital One are a financial business, it is possible for you to contact the Financial Ombudsman Service (FOS) to interfere. FOS are an external, neutral and independent business who specialise in resolving disputes between customers and financial organisations. They can be trusted to provide a fair assessment of  situation if you feel that Capital One has failed to do so. If you want to write to FOS, they can be reached at the following address:

The Financial Ombudsman Service
Exchange Tower,
London,
E14 9SR

It is also possible for you to complain to FOS via their website. If you visit, you’ll find a “how to complain” section and this will allow you to pass the problem on to them without having to leave the home. However, it is important to keep in mind that they are only to be contacted if you have already tried and failed to resolve your issue with Capital One directly.