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Luma Card - Poor Rating Credit Card
(Which Way To Pay - 4/4/2014)
The Luma credit card is designed for people who have been refused a credit card elsewhere and those with a bad credit history. You can even get one if you are new to credit, have CCJ,s and other issues with your credit. This card has many features which can help you build credit and manage your account responsibly. With an online and mobile account you can access your account anytime, anywhere. There is no annual fee with this card.

You can only have a credit limit of up to £1,500 but this will help you avoid taking on too much debt. Luma makes it easy for you to streamline your householdís finances and keep an eye on your overall expenditure. Luma offer guides to using cards responsibly and tips on improving your credit rating help you understand how to build your credit.

As well as this you will receive automated fraud alerts and free identity theft support help you ensure that your account stays safe and that you have help when you need it most. There is also free purchase protection insurance which means that you get extra help when things you buy with your Luma card donít work out.
Luma Card is ranked 4 out of 5. Based on 1 review.

4 Star Rating        
1 Star: 1 Star RatingPoor
In relation to other products, has performed badly and has little or no worthwhile benefits.
2 Stars: 2 Star RatingBelow Average
Has some features of value, but in comparison to others performs below standard.
3 Stars: 3 Star RatingAverage
A fair product with regards to its competitors - has no outstanding features or benefits.
4 Stars: 4 Star RatingGood
In comparison to other products performs above standard, has beneficial features.
5 Stars: 5 Star RatingExcellent
Performs well above standard in comparison, has exceptional features and benefits.

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