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What happens when you try to access your Contacts on your Luminar ?
How do you try to access them, or from where, or with what link/app/etc. ?
Importing a contact list from a SIM card (not normally used to store anything much) can be difficult.
Did you get even *some* contacts from the SIM card, yet? or is it that the SIM card refuses to give any up?
Transfer of Contacts lists on a SIM card is *not* easy, to put it bluntly. It is in fact difficult.
Using another more user-friendly type of Memory Card (e.g. an SD card) is much, much, easier. I would advise - if your Luminar device *has* an externally accessible memory card slot - doing the transfer of Contacts that way.
Your Lumina 650 does in fact have this for memory card slots:
microSD, up to 256 GB (dedicated slot)
If you cannot read a card in that slot, it would be a wonder - 256 GB is quite large even for modern memory card slot capacities.
Are you in fact using a microSD card? SIM cards are internal, and generally just carry an ID or serial number for the phone's usage.