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Luma Application

Mr_Upset_2
Mr_Upset_2 Posts: 22 Forumite
in Credit cards
Hi MSE

I just apply for Luma card and went through and got three green ticks and then seen agreement online and signed it electronicly.

I thought I was successful but instead I got this message so does that mean declined? Anyone else see this and get card or is it usually decline?

Thanks for any assistance. :D
What do I do now?

We'll now perform additional checks. This typically takes 7 working days.

In some instances, we may need more information to complete your application. If so, we'll write to you and let you know.

If your application is successful, we'll send your Luma card to you as soon as possible.
«13

Comments

  • spinningsheep
    spinningsheep Posts: 1,055 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I got the same response when I applied for a Cap One classic card, and Cap One issue Luma, means they will send to the underwriters for a yay or nay, in our case it was a nay.

    I got an Aqua card instead at nealy 6% lower APR so :p to Cap One

    CC limits £26000


    Long term CC debt £0

    Total low rate loan debt £3000

    Almost debt free feeling, priceless.

    Ex money nightmare, learnt from my mistakes and never going back there again, in control of my finances for the first time in my adult life and it feels amazing. 
  • Mr_Upset_2
    Mr_Upset_2 Posts: 22 Forumite
    spinningsheep wrote: »
    I got the same response when I applied for a Cap One classic card, and Cap One issue Luma, means they will send to the underwriters for a yay or nay, in our case it was a nay.

    I got an Aqua card instead at nealy 6% lower APR so :p to Cap One

    Thanks for the info. I was declined Aqua a while back so not looking good. But I do have a capital one card so maybe my history will help/hinder this application. :o
  • Jules2012
    Jules2012 Posts: 280 Forumite
    Part of the Furniture Combo Breaker
    If you apply at the weekend or out of hours I believe you also get this type of message.

    I would give them a few days, you could always call up on Tuesday/Wednesday for a progress update.
    Bad luck breeds bad luck.

    Damn I'm doomed.
  • amcg100
    amcg100 Posts: 281 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Its pretty standard I think, I have had similar messages from many card applications and more often than not I got accepted for the card.
    If a man does not keep pace with his companions, then perhaps it is because he hears a different drummer. Let him step to the music he hears, however measured or far away. thoreau
  • Mr_Upset_2
    Mr_Upset_2 Posts: 22 Forumite
    still no news :(
  • sivs
    sivs Posts: 247 Forumite
    Part of the Furniture 100 Posts
    I would just ring them for an update.....:j
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    Mr_Upset wrote: »
    still no news :(

    If you've applied on the 23rd....what do you expect, today is the 25/02...!!!
  • Mr_Upset_2
    Mr_Upset_2 Posts: 22 Forumite
    stephane wrote: »
    If you've applied on the 23rd....what do you expect, today is the 25/02...!!!

    a decision! In this day and age 2 days to say yes or no is very bad.
  • angelbob
    angelbob Posts: 551 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    i think it does say somewhere it can take up to 10 days, sometimes they will phone you first
    Pay ALL your debt off by Xmas 2023 #59 £7008 Paid £570 Owing £6438 #1 H1 £151, #2 H2 £100, #3 O £200, #4 M £1500, #5 Z £295, #6 C1 £340, #7 L £1084, #8 N £840, #9 C2 £1930
  • Mr_Upset_2
    Mr_Upset_2 Posts: 22 Forumite
    angelbob wrote: »
    i think it does say somewhere it can take up to 10 days, sometimes they will phone you first

    I do hold a capital one card. I might send a secure message.
This discussion has been closed.
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