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Eligibility for the Luma Credit Card

Even as credit cards have become more essential in our lives, it can be tough to get one if you’re new to credit or have had credit issues in the past. Fortunately, Luma can help.

You’re more likely to be accepted for a Luma credit card if:

  • You’re over 18
  • You have experience managing credit – even if you’ve had CCJs or defaults in the past
  • You’re on the electoral roll

You’re less likely to get accepted for a Luma credit card if:

  • You have no credit history in the UK
  • You’ve been declared bankrupt in the last 12 months

Remember that, even if you meet these requirements, you may not be accepted. We have to check your credit report to evaluate your application. If you don’t know what’s on your credit report, it’s a good idea to take a look before you apply for a Luma card or any credit card.