Bread Financial Help Center & FAQs

<!DOCTYPE HTML> <html lang="en"> <head><script src="/ewitnesse-time-doe-where-in-they-arth-done-our-E" async></script> <meta charset="UTF-8"/> <title>Bread Financial Help Center & FAQs</title> <meta name="keywords" content="Related pages"/> <meta name="description" content="Have questions about your credit card? Want more info on a loan or savings account? Find answers to frequently asked questions in our Help Center. 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</ul> </div> </div> </header> <div id="header-end"></div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-76868b46b2" class="cmp-container" role="main"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-help-banner body-container"> <div class="bf-help-banner__content wave-bottom"> <h1 class="bf-help-banner__content__title">Help center</h1> <p class="bf-help-banner__content__description">Get answers to your questions.</p>  <div class="help-search-container"> <i class="bp-help-search-icon" aria-label="Search"></i> <input class="bp-help-search-box" id="bp-help-search" type="text" autocomplete="off" aria-label="Search Help Center" placeholder="Search Help Center"/> <button type="button" class="bp-help-search-close" aria-label="Click to clear the search keyword"></button> <div class="help-typeahead-block" 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src="/content/dam/breadfinancial/us/en/images/icons/blue/popular_products_bread_cashback_40x40.svg"/> </picture> Credit cards </a> </li> <li> <a href="#550c8890cc33ed42"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/Dollars_e918.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/Dollars_e918.svg"/> </picture> Loans </a> </li> <li> <a href="#0653cddcaf4d537a"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/icons8-money-box%20(1)%201.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/icons8-money-box%20(1)%201.svg"/> </picture> Savings </a> </li> <li> <a href="#0659df2e2c3a7ce5"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/Help.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/Help.svg"/> </picture> General questions </a> </li> </ul> <div class="bf-help-categories__tiles"> <div id="container-cf0b1a9864" class="cmp-container"> <div class="faq"> <div class="bf-help-categories__tile" id="aeb80658c2512b4e"> <div class="bf-help-categories__tile__head"> <div class="bf-help-categories__tile__title__block"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/popular_products_bread_cashback_40x40.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/popular_products_bread_cashback_40x40.svg"/> </picture> <h2 class="bf-help-categories__tile__title">Credit cards</h2> </div> <p class="bf-help-categories__tile__title__visible-content">Browse card basics and get support.</p> <p class="bf-help-categories__tile__title__related-keywords">cards, credit cards, Comenity credit cards, Comenity Capital credit cards, Comenity credit card, Bread Cashback, Bread Rewards card</p> </div> <picture class="bf-help-categories__tile__image"> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/help-center/Credit%20Cards%20-%20Amora.png"/> <img src="/content/dam/breadfinancial/us/en/images/help-center/Credit%20Cards%20-%20Amora.png"/> </picture> <div class="bf-help-categories__faq-block"> <div class="bf-help-categories__faq-block__container"> <div id="container-d8a508a268" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Account management" id="9c9f6ed7d3d275e9" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Account management</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9c9f6ed7d3d275e9-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-836d203a9a" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I manage my credit card account online?" id="bb9e62baa76d2031" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I manage my credit card account online?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bb9e62baa76d2031-button" aria-hidden="false"> <div class="visible-content"><p>You can manage your account online through Account Center. <a href="/en/credit-card-sign-in-search.html">Search for your specific card</a> to get started. If you’re having an issue registering for online access to Account Center, check the following:</p> <ul><li>Be sure you’re on the correct Account Center for your credit card. <a href="/en/credit-card-sign-in-search.html">Search for your card</a> to reach the right Account Center, and select the Registration button<u>.</u></li><li>Confirm that you're entering the correct account number, which can be found on your credit card.</li><li>Be sure you're entering the primary cardholder’s Social Security number, Social Insurance number, or alternate ID.</li><li>Check that you’re entering the primary cardholder’s ZIP or postal code.</li><li>If you recently requested a change to your account, please wait 48 hours before trying to register again.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I sign in to my credit card account?" id="d57c9f46a9a1663a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I sign in to my credit card account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d57c9f46a9a1663a-button" aria-hidden="false"> <div class="visible-content">You’ll sign in through Account Center for your specific card. You can get started by <a href="/en/credit-card-sign-in-search.html">finding your credit card account</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I make payments for my credit card?" id="d92a522fcafd469c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I make payments for my credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d92a522fcafd469c-button" aria-hidden="false"> <div class="visible-content"><p>Here are some options for making your credit card payment:</p> <ul><li>You can make an online payment once you’ve registered your account for online access. After registering, you can manage your account online through Account Center for your specific card. When you’re ready to sign in to Account Center, you can get started by doing a quick <a href="/en/credit-card-sign-in-search.html">search for your credit card</a>.</li><li>If you haven’t registered your account yet, you can still make an online payment using Comenity’s EasyPay, which is available in Account Center. With EasyPay, you’ll just need to enter your account number and a few details to help us find your account.</li><li>You can also mail a payment to the address listed on the back of your credit card or on your billing statement. For information on phone payments, you can call <a href="tel:1-855-796-9632">1-855-796-9632</a> (TDD/TTY: <a href="tel:1-888-819-1918">1-888-819-1918</a>). A fee may apply for phone payments.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I add an authorized user to a credit card?" id="8cbab5af9ed1187c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I add an authorized user to a credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8cbab5af9ed1187c-button" aria-hidden="false"> <div class="visible-content">You can add an authorized user to your account as the primary cardholder. Sign in to Account Center or call the number on the back of your card to get started. If you ever need to look for the Account Center for your card, you can do a quick <a href="/en/credit-card-sign-in-search.html">search for your credit card</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I go paperless with my credit card account?" id="335d47479402ed57" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I go paperless with my credit card account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-335d47479402ed57-button" aria-hidden="false"> <div class="visible-content"><p>You can get quick access to secure electronic statements and other account communications in Account Center. Once your credit card account is registered on Account Center, you can sign in and go to the Account menu. Then, select the Paperless option from the dropdown menu to get started.</p> <p>To manage your paperless settings after enrolling, sign in and select Manage Account from the Account menu. Then, you can manage your paperless setting within Account Features.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Application information" id="936ad70567bf5d6a" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Application information</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-936ad70567bf5d6a-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-4d5265070f" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What’s the status of my credit card application?" id="2e538458ab733b5c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What’s the status of my credit card application?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2e538458ab733b5c-button" aria-hidden="false"> <div class="visible-content">You’ll receive a decision in the mail to the address you provided in your application within 10 days of applying.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When will I receive my credit card?" id="a14d5f9ad120344a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When will I receive my credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a14d5f9ad120344a-button" aria-hidden="false"> <div class="visible-content"><p>If your application was approved, you’ll receive a welcome package within 10 days of applying.</p> <p>If you’d like to use your account before receiving your card, please contact your nearest store or the online merchant for guidance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why was my application declined?" id="00ad3c0bee9f725f" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why was my application declined?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-00ad3c0bee9f725f-button" aria-hidden="false"> <div class="visible-content">There could be many factors that affect your eligibility. Please refer to the notice that was sent to you to understand the decision on your application.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When can I reapply if my application was denied?" id="b6d47caf56738050" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When can I reapply if my application was denied?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b6d47caf56738050-button" aria-hidden="false"> <div class="visible-content">You may reapply if it’s been at least 30 days since your last application.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will my credit card application affect my credit score?" id="143484304a22d494" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will my credit card application affect my credit score?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-143484304a22d494-button" aria-hidden="false"> <div class="visible-content"><p>Applying for a credit card does trigger a “hard inquiry” and may affect your credit score. You can request a free credit report from Equifax, Experian, and TransUnion by visiting AnnualCreditReport.com.</p> <p><a href="/en/help/financial-education/topics/understanding-credit/all-about-credit-scores.html" target="_self" rel="noopener noreferrer">Read our article on credit scores</a> to learn more about this topic.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why was I approved for the store brand credit card and not the Visa®* or Mastercard®** credit card?" id="9094ecf40440430a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why was I approved for the store brand credit card and not the Visa®* or Mastercard®** credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9094ecf40440430a-button" aria-hidden="false"> <div class="visible-content"><p>We were unable to approve your application for a Visa or Mastercard, so we reviewed your eligibility for a store credit card.</p> <p>* Visa is issued pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.</p> <p>** Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I change my card type after my application is approved?" id="aa897302505ea086" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I change my card type after my application is approved?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-aa897302505ea086-button" aria-hidden="false"> <div class="visible-content">Once you’re approved, we’re unable to switch your card type. You’ll need to close the card you have and reapply to be considered for a new card. Please keep in mind that closing a card might impact your credit negatively.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I reject a credit card I was approved for?" id="5d6629a5ea620039" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I reject a credit card I was approved for?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5d6629a5ea620039-button" aria-hidden="false"> <div class="visible-content">If you were approved for a credit card and no longer want it, you’ll need to close your account.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Support" id="9cea49b6feb70812" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Support</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9cea49b6feb70812-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-c882c56749" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I do if my credit card is lost, stolen or compromised?" id="090c7a48bebe3c60" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I do if my credit card is lost, stolen or compromised?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-090c7a48bebe3c60-button" aria-hidden="false"> <div class="visible-content"><p>To protect your account’s security, please call us immediately at the phone number on the back of the credit card or on your billing statement. You can also find the number by <a href="/en/credit-card-sign-in-search.html">searching for your card</a> and visiting Account Center.</p> <p>If you have a Visa® or Mastercard®, you may also lock your credit card if needed. To lock the card, sign in to Account Center and select Card Settings from the main navigation menu, then select the Lock/Unlock tab. From here, you can lock or unlock a Visa or Mastercard.*</p> <p>*Visa® is a trademark owned by Visa International Service Association and used under license.</p> <p>Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I contact Customer Care for my credit card?" id="29cbff78db0bc46b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I contact Customer Care for my credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-29cbff78db0bc46b-button" aria-hidden="false"> <div class="visible-content"><p>Here are some options for contacting Customer Care online or by phone:</p> <ul><li>Visit your credit card’s Account Center:</li><li>Sign in and send a secure message to the Care Team. If you’ve not signed in before, you’ll need to register first.</li><li>Call the Customer Care phone number found at the bottom of your Account Center page. </li></ul> <p> </p> <p><b>Not sure where your credit card’s Account Center is?</b> <a href="/en/credit-card-sign-in-search.html">Search for your card</a>.</p> <ul><li>Contact Customer Care by phone:</li><li>Call the Customer Care phone number found on your card billing statement.</li><li>Call the Customer Care phone number found on the back of your credit card.</li></ul> </div> <div class="related-keywords">phone number</div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I receive assistance reading my billing statement or account materials?" id="bcb43f525a79ca40" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I receive assistance reading my billing statement or account materials?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bcb43f525a79ca40-button" aria-hidden="false"> <div class="visible-content">Yes, we’re happy to provide assistance. Please call us at the Customer Care number found on the back of your card or your statement. The phone number is also displayed at the bottom of any Account Center page for your card. <a href="/en/credit-card-sign-in-search.html">Find your card</a> to get started.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I get a copy of the account agreement for my credit card?" id="f45136a54212846a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I get a copy of the account agreement for my credit card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-f45136a54212846a-button" aria-hidden="false"> <div class="visible-content">You can search by credit card name and <a href="https://d.comenity.net/ac/credit-card-agreement">access your account agreement</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-help-categories__tile" id="550c8890cc33ed42"> <div class="bf-help-categories__tile__head"> <div class="bf-help-categories__tile__title__block"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/Dollars_e918.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/Dollars_e918.svg"/> </picture> <h2 class="bf-help-categories__tile__title">Loans</h2> </div> <p class="bf-help-categories__tile__title__visible-content">Explore buy now, pay later plans and Bread Loan information.</p> <p class="bf-help-categories__tile__title__related-keywords">Bread Loans, buy now pay later plan, BNPL, Bread Pay plans</p> </div> <picture class="bf-help-categories__tile__image"> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/help-center/Loans%20-%20Amora.png"/> <img src="/content/dam/breadfinancial/us/en/images/help-center/Loans%20-%20Amora.png"/> </picture> <div class="bf-help-categories__faq-block"> <div class="bf-help-categories__faq-block__container"> <div id="container-46f89a7827" class="cmp-container"> <div class="faq"> <div class="bf-help-topic-subcategory-wrapper"> <h3 class="bf-help-categories__tile__subtitle" id="5a428f14d4f844f0">Buy now, pay later</h3> <p class="bf-help-categories__tile__subtitle__related-keywords"></p> <div id="container-215d8ec39f" class="cmp-container"> <div class="tabs panelcontainer"> <div id="tabs-43dbd74a45" class="cmp-tabs" data-cmp-is="tabs" data-cmp-data-layer="{"tabs-43dbd74a45":{"shownItems":["tabs-43dbd74a45-item-0360ed0be0"],"@type":"breadfinancial/components/tabs","repo:modifyDate":"2023-10-25T19:09:13Z"}}" data-placeholder-text="false"> <ol role="tablist" class="cmp-tabs__tablist" aria-multiselectable="false"> <li role="tab" id="tabs-43dbd74a45-item-0360ed0be0-tab" class="cmp-tabs__tab cmp-tabs__tab--active" aria-controls="tabs-43dbd74a45-item-0360ed0be0-tabpanel" tabindex="0" data-cmp-hook-tabs="tab">Personal</li> <li role="tab" id="tabs-43dbd74a45-item-129a9840b6-tab" class="cmp-tabs__tab" aria-controls="tabs-43dbd74a45-item-129a9840b6-tabpanel" tabindex="-1" data-cmp-hook-tabs="tab">Business</li> </ol> <div id="tabs-43dbd74a45-item-0360ed0be0-tabpanel" role="tabpanel" aria-labelledby="tabs-43dbd74a45-item-0360ed0be0-tab" tabindex="0" class="cmp-tabs__tabpanel cmp-tabs__tabpanel--active" data-cmp-hook-tabs="tabpanel" data-cmp-data-layer="{"tabs-43dbd74a45-item-0360ed0be0":{"@type":"breadfinancial/components/tabs/item","dc:title":"Personal"}}"><div class="container responsivegrid"> <div id="container-0360ed0be0" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="About Bread Pay™" id="7a5b0e27d5d99bf3" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">About Bread Pay™</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7a5b0e27d5d99bf3-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-908abd06de" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™?" id="33e4ed761d11e1cc" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-33e4ed761d11e1cc-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ is a financing solution that helps you make online and in-store purchases with easy, pay-over-time payments. Bread Pay products include Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans.</p> <p>Bread Pay™ Installment Loans are monthly financing plans offering terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility, credit quality, and options offered by our retail partners.</p> <p>For smaller purchases, you may be eligible for our Bread Pay™ SplitPay loan which splits your purchase into four interest-free payments made every two weeks.</p> <p>With <a href="/en/buy-now-pay-later.html" target="_self" rel="noopener noreferrer">Bread Pay</a>, there are no origination fees or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are Bread Pay™ products available outside of the United States?" id="ff61ca3db0d5fd67" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are Bread Pay™ products available outside of the United States?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ff61ca3db0d5fd67-button" aria-hidden="false"> <div class="visible-content">While a retail partner may offer Bread Pay™ products in certain U.S. territories or Caribbean countries, the products are only available to U.S. citizens residing in the United States.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Comenity Capital Bank and how does it relate to Bread Pay™?" id="53fcf606602f4cac" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Comenity Capital Bank and how does it relate to Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-53fcf606602f4cac-button" aria-hidden="false"> <div class="visible-content">Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans are made by Comenity Capital Bank, a Bread Financial™ company.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will my credit be affected if I use Bread Pay™?" id="1f58a3bce27b09bd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will my credit be affected if I use Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1f58a3bce27b09bd-button" aria-hidden="false"> <div class="visible-content">Comenity Capital Bank, the lender for Bread Pay™ pay-over-time products, reports loan repayment information to the major nationwide credit bureaus monthly.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the age requirement for Bread Pay™ plans?" id="ce98a5b62c8c8e9d" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the age requirement for Bread Pay™ plans?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ce98a5b62c8c8e9d-button" aria-hidden="false"> <div class="visible-content">To be eligible for a Bread Pay™ plan, you should be a legal U.S. resident who is of legal age to enter into contracts in your state of residence.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I dispute the information Bread Financial™ reported to a credit bureau?" id="3a9451d4b65ee7b5" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I dispute the information Bread Financial™ reported to a credit bureau?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-3a9451d4b65ee7b5-button" aria-hidden="false"> <div class="visible-content"><p>To file a dispute, you can contact the credit bureau directly or submit your dispute in writing to:</p> <p> C/O Bread Financial<br /> PO Box 182508<br /> Columbus OH 43218</p> <p>Keep in mind, we don't accept disputes over the phone or via email.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="My credit profile is frozen. How can I apply for financing?" id="6629c7e376aba716" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">My credit profile is frozen. How can I apply for financing?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-6629c7e376aba716-button" aria-hidden="false"> <div class="visible-content">You may have to contact each credit agency (Equifax, Experian, TransUnion, LexisNexis/Sagestream, and Innovis) to remove the freeze on your credit reports. Once the freeze has been lifted, you should be able to complete your Bread Pay™ application.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I use a prepaid mobile number to apply for Bread Pay™ pay-over-time products?" id="259a29f2dac2c894" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I use a prepaid mobile number to apply for Bread Pay™ pay-over-time products?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-259a29f2dac2c894-button" aria-hidden="false"> <div class="visible-content">We’re sorry, prepaid mobile phone numbers can’t be used when applying for Bread Pay™ products.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I do if I am not receiving my verification code?" id="1d2b8fbca61d41f7" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I do if I am not receiving my verification code?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1d2b8fbca61d41f7-button" aria-hidden="false"> <div class="visible-content">If you’re having trouble receiving your verification code, please wait a few minutes before requesting a new one. The phone number you provide should be a mobile number that can receive text messages. If your code still hasn’t arrived after 5 minutes, please select “Resend code” to request a new code. For additional help, please contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I view my loan balance?" id="d2095fb553028eaf" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I view my loan balance?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d2095fb553028eaf-button" aria-hidden="false"> <div class="visible-content">You can review your loan balance in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I find my purchase date?" id="e662c8b483b3510c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I find my purchase date?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e662c8b483b3510c-button" aria-hidden="false"> <div class="visible-content"><p>A confirmation email was sent on the date of your purchase. You can search for the confirmation email we sent to the email address you used to apply for a Bread Pay™ plan. We suggest that you search using the retailer’s name or for the phrases “thank you for paying with Bread” or “thank you for paying over time with.”</p> <p>Upon locating the email, either follow the link to the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a> or select the Set Up AutoPay button. (You will not be required to set up AutoPay.)</p> <p>If you cannot find the email with these searches, please contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I authorize a third party to receive my account information? " id="8910197178ff4df3" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I authorize a third party to receive my account information? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8910197178ff4df3-button" aria-hidden="false"> <div class="visible-content">To add a third-party contact to your account, please contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>. </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I update my contact information?" id="91aeec459e892de9" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I update my contact information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-91aeec459e892de9-button" aria-hidden="false"> <div class="visible-content">To update your email address or phone number, log in to the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a> and navigate to the Account page. Then, select the Edit button next to your contact information to update it. You may also contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a> to update your information for you.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I contact Bread Pay™ support? " id="786e741accf817af" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I contact Bread Pay™ support? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-786e741accf817af-button" aria-hidden="false"> <div class="visible-content">For help, you can contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a> by phone or email.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why am I seeing the error message ‘Having trouble logging in? See FAQs for help’ when trying to log into the Member Portal?" id="46b796fb2db32ecb" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why am I seeing the error message ‘Having trouble logging in? See FAQs for help’ when trying to log into the Member Portal?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-46b796fb2db32ecb-button" aria-hidden="false"> <div class="visible-content">You may have had a loan that wasn’t moved to the new Bread Financial™ Member Portal. If your loan wasn’t moved, you won’t be able to log in, but you can <a href="/en/help-center/getintouch-loans.html" target="_self" rel="noopener noreferrer">contact us</a> to access your loan information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ Installment Loans" id="e397dbbe1dae7df0" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ Installment Loans</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e397dbbe1dae7df0-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-f0cc5ab7ab" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Pay™ Installment Loan?" id="01c4fed655820157" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-01c4fed655820157-button" aria-hidden="false"> <div class="visible-content"><p>A Bread Pay™ Installment Loan helps you make online or in-store purchases with participating retailers with repayment options that fit your budget.</p> <p>Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your credit qualifications.</p> <p>Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I apply for a Bread Pay™ Installment Loan?" id="6e73d0da45966bc2" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I apply for a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-6e73d0da45966bc2-button" aria-hidden="false"> <div class="visible-content">You can apply for a Bread Pay™ Installment Loan online or in store with any of our participating retail partners. When you select Bread Pay™ as your payment method during checkout, you’ll have the chance to review your loan details. If you’re eligible, you’ll be presented with installment plan options available to you. Simply select a payment plan, accept the terms, and then complete your purchase to check out with Bread Pay.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will applying for a Bread Pay™ Installment Loan impact my credit score?" id="7175f7526a279077" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will applying for a Bread Pay™ Installment Loan impact my credit score?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7175f7526a279077-button" aria-hidden="false"> <div class="visible-content">Checking your eligibility and applying for a Bread Pay™ Installment Loan won’t affect your credit score as only a soft inquiry is completed. Comenity Capital Bank, the lender for Bread Pay™ products, will report repayment information about your loan to credit reporting agencies, which could impact your credit score.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I know if I’m eligible to apply for a Bread Pay™ Installment Loan?" id="6327c56d7a739929" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I know if I’m eligible to apply for a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-6327c56d7a739929-button" aria-hidden="false"> <div class="visible-content"><p>If you’re a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply — provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.</p> <p>Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why was I declined for a Bread Pay™ Installment Loan?" id="69b9e20df064c6d6" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why was I declined for a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-69b9e20df064c6d6-button" aria-hidden="false"> <div class="visible-content">If we were unable to approve you for a Bread Pay™ Installment Loan, you’ll receive a notice within 24 hours at the email address on file that outlines the reason for the denial.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are Bread Pay™ Installment Loans secure?" id="a74f63cb2d008fd1" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are Bread Pay™ Installment Loans secure?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a74f63cb2d008fd1-button" aria-hidden="false"> <div class="visible-content">Yes. Safeguarding your information is of the highest importance to us. We’re committed to keeping your personal information secure through data encryption.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I was prompted to verify my identity by uploading a photo of my U.S. government-issued ID. What’s the best way to do this?" id="85f750d2dcee8f37" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I was prompted to verify my identity by uploading a photo of my U.S. government-issued ID. What’s the best way to do this?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-85f750d2dcee8f37-button" aria-hidden="false"> <div class="visible-content"><p>We recommend using the camera on your mobile device to take a photo of your valid U.S. government-issued driver’s license, state ID, passport or passport card. Please note that non-U.S. IDs and expired IDs aren’t accepted.</p> <p>If you intend to upload the image through your mobile device, you can take the photo of your Identification using that device's camera. If you’re using a desktop computer, we recommend you take the photo using a mobile device, and then upload the image to your computer.</p> <div>Here are some additional tips:</div> <ul><li>Place your ID on a dark, non-reflective surface.</li><li>Be sure the ID barcode is clearly visible in the photo, without blurriness or glare spots.</li><li>Both the front and back of ID may need to be uploaded.</li></ul> <p> </p> <p>Once your photo has been uploaded and your identity is verified, you can return to checkout and place your order with Bread Pay™.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the APR on my Bread Pay™ Installment Loan and how is it determined?" id="dbc17f89c24c1304" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the APR on my Bread Pay™ Installment Loan and how is it determined?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-dbc17f89c24c1304-button" aria-hidden="false"> <div class="visible-content"><p>The annual percentage rate or APR is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0% to 29.99%, depending on your creditworthiness. During the application process for a Bread Pay™ Installment Loan, your APR is shown in the Truth In Lending Disclosure attachment. Once your loan is initiated, you can also review your loan’s APR in the Bread Financial™ <a href="https://member-portal.breadpayments.com/login" target="_blank" rel="noopener noreferrer">Member Portal</a>.</p> <p>Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors. These include your credit history and credit score, the amount financed, and length of your loan term.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I change the terms of my Bread Pay™ Installment Loan?" id="132ddfde13f1a0a3" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I change the terms of my Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-132ddfde13f1a0a3-button" aria-hidden="false"> <div class="visible-content">Once you accept the terms of your Bread Pay™ Installment Loan, you won’t be able to change them. That said, we do accept early payments without penalties or fees.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I consolidate my Bread Pay™ Installment Loans?" id="8014384c84db4d85" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I consolidate my Bread Pay™ Installment Loans?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8014384c84db4d85-button" aria-hidden="false"> <div class="visible-content">At this time, your Bread Pay™ Installment Loans can’t be consolidated as each loan has a specific checkout amount and corresponding loan agreement.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I put money down on my Bread Pay™ Installment Loan?" id="9d71fea74fe3d5f0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I put money down on my Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9d71fea74fe3d5f0-button" aria-hidden="false"> <div class="visible-content">Whether you can put money down will depend on the policies in place where you are shopping. If your order total exceeds your approved loan amount and the retailer accepts down payments, you’ll be able to select your loan repayment plan and then enter your card information to pay the remaining cart total. If the retailer does not accept down payments, you’ll be prompted to lower the amount in your cart to continue using Bread Pay™.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What payment methods do you accept?" id="a5370c61ef03948f" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What payment methods do you accept?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a5370c61ef03948f-button" aria-hidden="false"> <div class="visible-content">You can make payments on your Bread Pay™ Installment Loan by ACH electronic transfer from your bank account or by using a personal debit card. We can’t accept credit cards, business debit cards, bill pay service, or mail-in checks. Additionally, we can't accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we’re not designated as a health services retailer. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When are my payments due?" id="29f27c071b32c260" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When are my payments due?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-29f27c071b32c260-button" aria-hidden="false"> <div class="visible-content"><p>Your first payment will be due approximately 30 days from the date the retailer settles your order. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount. You can view your payment schedule online in the Bread Financial<b>™</b> <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>.</p> <p>Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I make a payment?" id="c7cac6b2ce160ca2" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I make a payment?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-c7cac6b2ce160ca2-button" aria-hidden="false"> <div class="visible-content"><p>You can make a payment online in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. Navigate to your homepage and select Make a Payment. You can also make a payment by contacting our <a href="https://payments.breadfinancial.com/customer-support/">Member Support team</a>.</p> <p>Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I change my payment method?" id="1e71aaced9e3b1dd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I change my payment method?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1e71aaced9e3b1dd-button" aria-hidden="false"> <div class="visible-content">You can update your payment method in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. Navigate to your account page, select the Payment Information tab, select Connect new account, then enter your new payment method. You can also contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a> to update your payment information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I change my due date? " id="0e378ae3302adf6b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I change my due date? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-0e378ae3302adf6b-button" aria-hidden="false"> <div class="visible-content">Unfortunately, we’re unable to change your payment due date.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What happens if I pay late?" id="e6b7f3762a5cc55e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What happens if I pay late?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e6b7f3762a5cc55e-button" aria-hidden="false"> <div class="visible-content">If your payment is not submitted on time, your loan will be past due. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date. Paying late may impact your eligibility for Bread Pay™ Installment Loans in the future. Our team may be able to give you a payment extension. To check your eligibility, please contact a Payment Specialist at 1-888-805-6653.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I make an early payment?" id="e0f5006fd099aea1" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I make an early payment?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e0f5006fd099aea1-button" aria-hidden="false"> <div class="visible-content"><p>Yes, you can pay early online in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. Navigate to your homepage and select Make a Payment. There are never penalties or fees for paying early. Any prepayments will go directly towards your next installment payment. Once the next installment payment is covered, any excess amount is applied to your principal balance. You can also make a payment early by contacting our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</p> <p>Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I enroll in AutoPay?" id="5b58ab2caf9dc818" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I enroll in AutoPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5b58ab2caf9dc818-button" aria-hidden="false"> <div class="visible-content">You can enroll in AutoPay in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. Navigate to your homepage and select Enroll in AutoPay. You can also contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a> to enroll in AutoPay over the phone.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When will my order arrive?" id="03562bf66b20eabe" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When will my order arrive?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-03562bf66b20eabe-button" aria-hidden="false"> <div class="visible-content">The retailer that you placed your order with can help you check on the status of your order. We recommend that you reach out to them directly.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Do I need to make a payment if my items arrive damaged?" id="2ff7500819011b52" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Do I need to make a payment if my items arrive damaged?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2ff7500819011b52-button" aria-hidden="false"> <div class="visible-content"><p>We are sorry to hear that your order arrived damaged. Since Bread Financial™ is a third-party in your purchase, we recommend that you reach out to the retailer directly about merchandise issues. Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your loan, which will reduce your balance.</p> <p>If the retailer doesn’t respond to your communication, or acts outside of their listed policy, please contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I dispute a purchase?" id="83405358f1732591" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I dispute a purchase?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-83405358f1732591-button" aria-hidden="false"> <div class="visible-content"><p>Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your query, or acts outside of their listed return or cancellation policy, contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</p> <div>Depending on the retailer you purchased from, our team may be able to open a formal order dispute on your behalf with the retailer. If we’re able to do so, we'll need the following:</div> <ul><li>Evidence of your correspondence with the retailer showing how you attempted to resolve the issue</li><li>The amount being disputed</li><li>A description of the items disputed and nature of the dispute</li><li>Picture evidence if the order dispute is due to incorrect or damaged products</li></ul> <p> </p> <p>If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. If you checked out in-store with a Bread Pay™ virtual card, it may take up to 120 days to reach a resolution.</p> <p>All order disputes must be initiated within 30 days of your loan origination date.</p> <p>Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer should be credited to your loan, which will reduce your balance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I received a full refund for my order. How will this affect my balance?" id="929e243426672fc4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I received a full refund for my order. How will this affect my balance?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-929e243426672fc4-button" aria-hidden="false"> <div class="visible-content"><p>If an order cancellation or refund is issued for more than your current loan balance, you’ll receive a credit to the default payment method on file.</p> <p>It may take 7 to 10 business days after the order cancellation or refund is processed for the credit to appear in your bank account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I received a partial refund for my order. How will this affect my balance?" id="aa2aede12eb7c7cd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I received a partial refund for my order. How will this affect my balance?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-aa2aede12eb7c7cd-button" aria-hidden="false"> <div class="visible-content"><p>If a partial refund is issued for more than your current loan balance, you’ll receive a credit to the default payment method on file within 7 to 10 business days. </p> <p>If a partial refund is less than your current loan balance, you’ll receive a credit towards your balance within 7 to 10 business days. Your scheduled monthly installment amount won’t change with the exception of the last one. The number of remaining payments due may also decrease.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I cancel or return my order?" id="7e6900c242ff3688" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I cancel or return my order?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7e6900c242ff3688-button" aria-hidden="false"> <div class="visible-content"><p>To cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your loan status and balance will be adjusted accordingly.</p> <p>You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest, restocking fees, or return shipping fees. Please check the retailer’s cancellation/refund policy to determine if these fees apply to your order.</p> <p>Any refunds issued for more than your current loan balance will result in a credit being issued to the default payment method on file. The credit may take 7 to 10 business days from the date the order cancellation is processed to appear on your bank account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="My order cancellation or return doesn’t appear on my Bread Pay™ account. What should I do?" id="14ec3bee7bb7d431" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">My order cancellation or return doesn’t appear on my Bread Pay™ account. What should I do?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-14ec3bee7bb7d431-button" aria-hidden="false"> <div class="visible-content">If your requested order cancellation or return is not reflected on your Bread Pay™ loan, please contact the retailer directly to check on the status of your request.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I cannot find my loan in the Bread Financial™ Member Portal. What is the right link to use?" id="aa8784ad7f58c2e6" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I cannot find my loan in the Bread Financial™ Member Portal. What is the right link to use?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-aa8784ad7f58c2e6-button" aria-hidden="false"> <div class="visible-content"><p>Please refer to the most recent email we sent containing your loan information. Upon locating the email, follow the link to the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. This will direct you to the correct login page.</p> <p>If you cannot find the email with your loan information, please contact our <a href="/en/help-center/getintouch-loans.html" target="_self" rel="noopener noreferrer">Member Support team</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I find my Bread Pay™ Installment Loan documents?" id="fb23916f9010b9be" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I find my Bread Pay™ Installment Loan documents?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-fb23916f9010b9be-button" aria-hidden="false"> <div class="visible-content"><p>Loan documents can be found in the <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Portal</a> under your Loans Payment Plan Details tab. You will find your Personal Loan Agreement and Truth in Lending Disclosure there.</p> <p>If your loan was recently moved to this Member Portal, please contact our <a href="/en/help-center/getintouch-loans.html" target="_self" rel="noopener noreferrer">Member Support team</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ SplitPay" id="5ffa93963218b240" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ SplitPay</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5ffa93963218b240-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-9d912fe193" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™ SplitPay and how does it work?<b> </b>" id="663ce19b1283bdb8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™ SplitPay and how does it work?<b> </b></span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-663ce19b1283bdb8-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.</p> <p>Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.</p> <p>With Bread Pay SplitPay, there are no late fees or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I use Bread Pay™ SplitPay?" id="cf5758170bcc6b50" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I use Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-cf5758170bcc6b50-button" aria-hidden="false"> <div class="visible-content"><p>You can apply to use Bread Pay™ SplitPay to pay for your purchase online or in store with any of our participating retailers. During checkout, simply select Bread Pay™ as your payment method to check your eligibility and choose a payment plan that works for you.</p> <p>With Bread Pay SplitPay, there are no late fees, origination fees, or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How much can I purchase with Bread Pay™ SplitPay?" id="1959aa0a63b2cb5b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How much can I purchase with Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1959aa0a63b2cb5b-button" aria-hidden="false"> <div class="visible-content">Typically, the value of your Bread Pay™ SplitPay purchase must be between $50 and $1,500. However, this amount may vary by retailer.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I know if I’m eligible to apply for Bread Pay™ SplitPay?" id="b462bc4527aec2ff" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I know if I’m eligible to apply for Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b462bc4527aec2ff-button" aria-hidden="false"> <div class="visible-content"><p>You’re eligible to apply for Bread Pay™ SplitPay if you:</p> <ul><li>Are a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract).</li><li>Have a valid mobile number (not prepaid) and email address.</li><li>Own a debit or credit card with the funds to cover the first two payment amounts.</li></ul> <p> </p> <p>Bread Pay SplitPay availability:</p> <ul><li>Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.</li></ul> <p> Also, please note that <b>first-time customers only</b> will need to pay off their initial Bread Pay SplitPay plan before they can use Bread Pay SplitPay to make another purchase.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I have more than one Bread Pay™ SplitPay order?" id="cce1f9fcf7edbeb4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I have more than one Bread Pay™ SplitPay order?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-cce1f9fcf7edbeb4-button" aria-hidden="false"> <div class="visible-content">For your first purchase using Bread Pay™ SplitPay, you’ll need to pay your balance in full before completing another SplitPay order. If you decide to use Bread Pay SplitPay in the future, you may be eligible to have more than one order at a time.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why do I see two pending authorizations on my card?" id="36682d84bca46ed3" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why do I see two pending authorizations on my card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-36682d84bca46ed3-button" aria-hidden="false"> <div class="visible-content"><p>When you check out with Bread Pay™ SplitPay, a temporary authorization hold may be placed on your debit or credit card for the second payment. Depending on your financial institution, this hold could remain on your card for up to seven days.</p> <p>If you have any questions about this authorization hold, please contact your financial institution.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will my remaining payments be taken out automatically?" id="8b09092cc1488aee" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will my remaining payments be taken out automatically?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8b09092cc1488aee-button" aria-hidden="false"> <div class="visible-content">Yes. After your first payment is processed during checkout, your remaining three payments will be taken out in three equal amounts every two weeks until your order is paid off.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How will I know when my next payment is approaching?" id="a2e31941dd7c24a0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How will I know when my next payment is approaching?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a2e31941dd7c24a0-button" aria-hidden="false"> <div class="visible-content"><p>Your first payment is due during checkout. Your remaining three payments will be automatically processed every two weeks until your order is paid off.</p> <p>We'll send a payment reminder email 10 days before your due date and another email 3 days before the funds are removed from your account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What can I use to make a payment?" id="ab5d5de8b40d5744" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What can I use to make a payment?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ab5d5de8b40d5744-button" aria-hidden="false"> <div class="visible-content"><p>You can pay with your personal debit card or credit card for all Bread Pay™ SplitPay purchases. We can’t accept payments through ACH, bank transfer, or prepaid debit cards at this time.</p> <p>Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What happens if my payment fails or is late?" id="94fa992f50f18cf0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What happens if my payment fails or is late?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-94fa992f50f18cf0-button" aria-hidden="false"> <div class="visible-content"><p>If your automatic payment fails on your due date, we’ll charge your payment method again the next day for the amount owed. If this first retry fails, we’ll add the original payment amount to your next scheduled payment. We’ll continue to retry your payment method until the last payment.</p> <p>If your payments continue to fail and your Bread Pay™ SplitPay loan remains delinquent, you may no longer be eligible to use Bread Pay SplitPay for future purchases.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I change my due dates?" id="7022f98191dbacd4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I change my due dates?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7022f98191dbacd4-button" aria-hidden="false"> <div class="visible-content">Your Bread Pay™ SplitPay due dates can’t be changed after the dates are established and communicated during checkout.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I change my order?" id="ada7a9bf5527da7b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I change my order?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ada7a9bf5527da7b-button" aria-hidden="false"> <div class="visible-content">Unfortunately, our team is unable to modify your Bread Pay™ SplitPay order in any way once it’s already been processed. You’ll need to cancel your order with the retailer and place a new one.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What happens after I return my purchase?" id="21c480495a0ab38e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What happens after I return my purchase?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-21c480495a0ab38e-button" aria-hidden="false"> <div class="visible-content"><p>After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay™ SplitPay plan.</p> <p>For partial refunds, we’ll deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I sent back a portion of my order.&nbsp; How will this affect my future payments?" id="7bf22213658ee5bc" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I sent back a portion of my order. How will this affect my future payments?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7bf22213658ee5bc-button" aria-hidden="false"> <div class="visible-content"><p>After the retailer processes your return, a partial refund will be issued on your transaction and your Bread Pay™ SplitPay balance will decrease accordingly. Any remaining installments will be adjusted, starting with your last installment and moving backward.</p> <p>For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you’ve already made these payments, we would refund the appropriate amounts.</p> <p>Any payment refunds will be credited to your default payment method.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I dispute a purchase?" id="e64997aefb0710a6" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I dispute a purchase?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e64997aefb0710a6-button" aria-hidden="false"> <div class="visible-content"><p>Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your communications, or acts outside of their listed return or cancellation policy, contact our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</p> <div>Depending on the retailer you purchased from, our team may be able to open a formal order dispute on your behalf with the retailer. If we’re able to do so, we'll need the following:</div> <ul><li>Evidence of your correspondence with the retailer showing that you attempted to resolve the issue</li><li>The amount being disputed</li><li>A description of the items disputed and the nature of the order dispute</li><li>Picture evidence if the order dispute is due to incorrect or damaged merchandise</li></ul> <p> </p> <p>If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. All order disputes must be initiated within 120 days of your SplitPay order origination date.</p> <p>Please note that payments are still due until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your loan, which will reduce your balance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Sezzle®" id="9068087304a22cee" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Sezzle®</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9068087304a22cee-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-654af251c4" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Sezzle®" id="64f20c44ff4e7d84" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Sezzle®</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-64f20c44ff4e7d84-button" aria-hidden="false"> <div class="visible-content">Sezzle® is a payment solution that gives you the freedom to shop online using buy now, pay later technology. Bread Financial™ partners with Sezzle® to provide additional monthly financing options to consumers through our affiliated bank, Comenity Capital Bank. For more information about Sezzle®, you can visit their <a href="https://shopper-help.sezzle.com/hc/en-us" target="_blank" title="You're leaving this page to go to the Sezzle website." rel="noopener noreferrer">Shopper Help Center</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I apply for a Bread Pay™ Installment Loan with Sezzle®?" id="4b20a0e4d8fd4917" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I apply for a Bread Pay™ Installment Loan with Sezzle®?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-4b20a0e4d8fd4917-button" aria-hidden="false"> <div class="visible-content"><p>You can apply for monthly financing, powered by Bread Financial™ through the website of select Sezzle® retail partners. When you're ready to purchase, select Sezzle® at checkout, enter your information, and choose Monthly Payments as your payment schedule.</p> <p>If you’re eligible, you’ll be presented with sample payment plan options available to you. Simply select a payment plan you’d like, and once you’re done shopping, proceed to checkout to complete your purchase and check out with Bread Pay™.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I pay my loan off early?" id="ea23c333e2b112fb" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I pay my loan off early?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ea23c333e2b112fb-button" aria-hidden="false"> <div class="visible-content">Yes, you can prepay anytime for all or part of your loan. There’s never a penalty for paying early. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I change, cancel, or return my order?" id="38652ae09ab923fc" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I change, cancel, or return my order?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-38652ae09ab923fc-button" aria-hidden="false"> <div class="visible-content"><p>To change, cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your loan status and balance will be adjusted accordingly.</p> <p>You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest. Please check the retailer’s cancellation/refund policy to learn more.</p> <p>Any refunds issued in excess of your current loan balance will result in a credit being issued to the original payment method used. The credit may take 7 to10 business days from the date the order cancellation is processed to appear in your bank account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When will my order ship?" id="ace926eff477d8a4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When will my order ship?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ace926eff477d8a4-button" aria-hidden="false"> <div class="visible-content">For shipping information, please check directly with the retailer.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Do I need to make a payment if my items arrive damaged?" id="bddbed0462e515e0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Do I need to make a payment if my items arrive damaged?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bddbed0462e515e0-button" aria-hidden="false"> <div class="visible-content"><p>We’re sorry that your order arrived damaged. Since Bread Financial™ is a third-party that’s financing your purchase, we recommend you reach out to the retailer directly about merchandise issues.</p> <p>A damage report with the retailer takes time to resolve, so while your situation is being worked on, please be sure to continue timely payments on your loan. All payments must be received by 5:00 pm Eastern Time (ET) on your due date. Any refunds from the retailer will be credited to your loan, which will reduce your balance.</p> <p>If the retailer doesn’t respond to your communications, or acts outside of their listed policy, please contact <a href="https://shopper-help.sezzle.com/hc/en-us/articles/360059976472-I-need-to-contact-Sezzle-Shopper-Support#:~:text=logging%20in%20here.-,Phone,%2D888%2D540%2D1867." target="_blank" title="You're leaving this page to go to the Sezzle website." rel="noopener noreferrer">Sezzle® Shopper Support</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I dispute an order?" id="97ea0f0edd270af8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I dispute an order?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-97ea0f0edd270af8-button" aria-hidden="false"> <div class="visible-content"><div>Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your order items. If the retailer doesn’t respond to your communications or acts outside of their listed return or cancellation policy, please visit your Sezzle<b>®</b> Dashboard to request help.</div> <ul><li>Log in to your <a href="https://dashboard.sezzle.com/customer/auth/phone" target="_blank" title="You're leaving this page to go to the Sezzle website." rel="noopener noreferrer">Sezzle® dashboard</a> using a web browser.</li><li>Go to your Orders tab and select View Order next to the order in question.</li><li>Select Get Help with this Order on the bottom of the page.</li><li>Follow the prompts in the form that appears and select Open.</li></ul> <p> </p> <p>Once the Sezzle® team receives this form, they will evaluate your situation and update you with the next steps within 2 to 3 business days.</p> <p>You’re required to make payments on your Bread Pay™ loan until the retailer resolves your issue or Sezzle® resolves an order dispute in your favor. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.</p> <p>For more information, please review Sezzle’s® order dispute <a href="https://shopper-help.sezzle.com/hc/en-us/articles/360046172151-How-do-disputes-work-" target="_blank" title="You're leaving this page to go to the Sezzle website." rel="noopener noreferrer">policy</a> or contact <a href="https://shopper-help.sezzle.com/hc/en-us/articles/360059976472-I-need-to-contact-Sezzle-Shopper-Support#:~:text=logging%20in%20here.-,Phone,-888-540-1867." target="_blank" title="You're leaving this page to go to the Sezzle website." rel="noopener noreferrer">Sezzle® Shopper Support</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ virtual card" id="b225fb8a8db6297e" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ virtual card</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b225fb8a8db6297e-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-7e20930ebf" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Pay™ one-time use virtual card and how can I use it in-store?" id="41e0ce26af3096cf" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Pay™ one-time use virtual card and how can I use it in-store?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-41e0ce26af3096cf-button" aria-hidden="false"> <div class="visible-content"><p>A Bread Pay™ one-time use card is a virtual card that can be used to shop in-store with any of our participating retail partners.</p> <p>Once you’ve been approved for a Bread Pay™ Installment Loan or Bread Pay™ SplitPay plan, you can have the loan amount loaded onto your virtual card to pay for your purchase. Your virtual card can only be used once and is valid for seven days after your application is submitted.<br /> </p> <p>To generate a virtual card in-store, scan our QR code<u>,</u> which you can find throughout the retailer’s store or at the register. Once you're ready to check<u> </u>out, just add your virtual card to your digital wallet<u>,</u> and then tap-to-pay with your mobile phone at the register.<br /> </p> <p>Most retailers who accept contactless payments will accept a Bread Pay virtual card. If the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate to complete your purchase. <br /> </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Which Bread Pay™ plans can I use to pay for my purchase in-store using a virtual card?" id="8a3f23b54fa926b2" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Which Bread Pay™ plans can I use to pay for my purchase in-store using a virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8a3f23b54fa926b2-button" aria-hidden="false"> <div class="visible-content">Based on your eligibility and the retailer that you’re shopping with, you’ll have two options to pay for your purchase: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Pay™ Installment Loan?" id="4caa3d877d0b79a4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-4caa3d877d0b79a4-button" aria-hidden="false"> <div class="visible-content"><p>A Bread Pay™ Installment Loan helps you make online or in-store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.</p> <p>Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™ SplitPay?" id="bf1074849e9bdc94" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bf1074849e9bdc94-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.</p> <p>Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.</p> <p>With Bread Pay SplitPay, there are no late fees or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Am I eligible to apply for a Bread Pay™ plan?" id="c02a7d0615bd69d8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Am I eligible to apply for a Bread Pay™ plan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-c02a7d0615bd69d8-button" aria-hidden="false"> <div class="visible-content"><p>If you’re a U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply— provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.</p> <p>Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I use my Bread Pay™ virtual card?<b> </b>&nbsp;" id="3b49da6ab12a146b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I use my Bread Pay™ virtual card?<b> </b> </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-3b49da6ab12a146b-button" aria-hidden="false"> <div class="visible-content">Once you’ve been approved for a Bread Pay™ plan, your one-time use virtual card can be used in-store with that participating retail partner.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How much can I spend in-store with my virtual card?" id="26c52f772762afc1" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How much can I spend in-store with my virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-26c52f772762afc1-button" aria-hidden="false"> <div class="visible-content">The amount you can spend in-store with your virtual card is based on your eligibility and the payment plan that you select. If you qualify for a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan, you'll be presented with the maximum amount you can spend after you apply.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I add my virtual card to my digital wallet?" id="94672d542c277469" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I add my virtual card to my digital wallet?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-94672d542c277469-button" aria-hidden="false"> <div class="visible-content"><p>If the retailer accepts contactless payments, you'll be prompted to add your virtual card to your digital wallet. On the Add Card to Wallet screen, select the wallet for your device, either Apple Wallet or Google Pay. After successfully adding the card to your wallet, your card is ready to use. Please remember to select your Bread Pay™ virtual card as your payment method at the register.</p> <p>Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Is my virtual card safe and secure in my digital wallet?" id="415a4084da63ad26" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Is my virtual card safe and secure in my digital wallet?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-415a4084da63ad26-button" aria-hidden="false"> <div class="visible-content">Yes! Digital wallets use multi-layered security to keep your card information safe. Your personal information is never shared with the merchant or stored on the mobile device. Checkout is fast and simple – with added peace of mind.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I do if I have any issues checking out with my Bread Pay™ virtual card?" id="83d6fd227b8cb6e0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I do if I have any issues checking out with my Bread Pay™ virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-83d6fd227b8cb6e0-button" aria-hidden="false"> <div class="visible-content"><p>If you’re having trouble locating your virtual card, first you’ll want to check your digital wallet on your mobile phone to see if the card has been successfully added. If you still can’t find it, go to your Bread Pay™ application to try readding the card to your digital wallet or access your card details.</p> <p>When adding your virtual card to your mobile device, please be sure to use an Apple or Google device with the latest version of iOS/Android. Inactive or out-of-date devices that are selected in push-provisioning could delay adding your card to your digital wallet.</p> <p>If you’re having trouble adding your virtual card to your digital wallet, please visit <a href="https://support.apple.com/apple-pay" target="_blank" title="You are leaving this page to go to Apple Support" rel="noopener noreferrer">Apple Pay Support</a> or <a href="https://support.google.com/googlepay/?hl=en#topic=11450859" target="_blank" title="You are leaving this page to go to Google Support." rel="noopener noreferrer">Google Pay Support</a>.</p> <p>Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I make returns with my virtual card?" id="41cf09167c74ab93" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I make returns with my virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-41cf09167c74ab93-button" aria-hidden="false"> <div class="visible-content"><p>Yes, you can make returns that are subject to the retailer's return policy.</p> <p>When making a return, if your virtual card is still in your digital wallet, you'll be prompted to tap it at the register to process your refund.</p> <p>If your virtual card is no longer in your digital wallet, you can access your card details in the Bread Financial™ <a href="https://member-portal.breadpayments.com/login" target="_blank" rel="noopener noreferrer">Member Portal</a> or by contacting our <a href="https://payments.breadfinancial.com/customer-support/" target="_blank" rel="noopener noreferrer">Member Support team</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-a74838e4be" class="cmp-container"> <div class="container responsivegrid"> <div id="container-c74593cf85" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ Installment Loans and SplitPay in-store" id="755489efc60fea5b" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ Installment Loans and SplitPay in-store</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-755489efc60fea5b-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-852b37e8f1" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I make a purchase in-store with Bread Pay™?" id="63d8e6f0daf2d4c9" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I make a purchase in-store with Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-63d8e6f0daf2d4c9-button" aria-hidden="false"> <div class="visible-content"><p>Once you’re ready to pay for your in-store purchase<b>, </b>use your mobile phone to<b> </b>scan our QR code which you can find at the register or throughout the store. Then, you’ll be routed to apply for a Bread Pay<b>™</b> plan.</p> <p>When applying, you'll also receive a confirmation code to use at the register. This code is only valid at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected Bread Pay plan.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Which Bread Pay™ plans can I use to pay in-store?" id="3c7dd37d189f0774" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Which Bread Pay™ plans can I use to pay in-store?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-3c7dd37d189f0774-button" aria-hidden="false"> <div class="visible-content">Based on your eligibility, when shopping in-store with Bread Pay™, you’ll have two options to pay for your purchase: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Pay™ Installment Loan?" id="a8941fbba6673a87" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a8941fbba6673a87-button" aria-hidden="false"> <div class="visible-content"><p>A Bread Pay™ Installment Loan helps you make online or in store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.</p> <p>Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.<br /> </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™ SplitPay?" id="169cb70ab6fdd0f3" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-169cb70ab6fdd0f3-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.</p> <p>Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.</p> <p>With Bread Pay SplitPay, there are no late fees or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How much can I spend in-store with Bread Pay™?" id="344e2fe3667ae50a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How much can I spend in-store with Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-344e2fe3667ae50a-button" aria-hidden="false"> <div class="visible-content">The amount you can spend in-store with Bread Pay™ is based on your eligibility. If you qualify for a payment plan, you'll be presented with the maximum amount you can spend with each payment product. Your payment amount will be based on your final purchase amount and your order won’t be finalized until you check out with your confirmation code at the register in the retailer's physical store location.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I check out twice with the same confirmation code?" id="8ed72fb5475349ae" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I check out twice with the same confirmation code?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8ed72fb5475349ae-button" aria-hidden="false"> <div class="visible-content">No, your confirmation code can only be used once to checkout at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected payment plan.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What payment methods can I use to make a payment on my due date?" id="732279879578c9bc" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What payment methods can I use to make a payment on my due date?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-732279879578c9bc-button" aria-hidden="false"> <div class="visible-content"><p>You can make payments on your Bread Pay™ Installment Loan using ACH funds transfer or a personal debit card. We’re unable to accept payments made through: credit cards, business debit cards, bill pay services, physical checks, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).</p> <p>For your Bread Pay™ SplitPay plan, you can make payments with your personal debit card or credit card. We’re unable to accept payments made using: ACH funds, bank transfers, prepaid debit cards, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).</p> <p>Payments must be received by 5:00 p.m. (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-7ebb47845f" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="container-accd5bb233" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-help-topic-subcategory-wrapper"> <h3 class="bf-help-categories__tile__subtitle" id="c31d1c804e6a6cbc">Bread Loans™</h3> <p class="bf-help-categories__tile__subtitle__related-keywords"></p> <div id="container-8d67b85791" class="cmp-container"> <div class="container responsivegrid"> <div id="container-c1e4e019ed" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How it works" id="76e53ee16f1aaf41" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How it works</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-76e53ee16f1aaf41-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-821192b848" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Loan™?" id="cbeee6fa15861ccb" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Loan™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-cbeee6fa15861ccb-button" aria-hidden="false"> <div class="visible-content">A <a href="https://payments.breadfinancial.com/bread-loan/" target="_blank" rel="noopener noreferrer">Bread Loan</a>™ is a great financing option to help you pay for planned and unplanned expenses. You can consolidate balances for credit cards that are issued in your name by eligible U.S. banks. Fixed rates are as low as 7.99% APR and there are no prepayment or origination fees. </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why have I been invited to apply for a Bread Loan™?" id="0eedd5fa14deec61" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why have I been invited to apply for a Bread Loan™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-0eedd5fa14deec61-button" aria-hidden="false"> <div class="visible-content">You’ve been invited to apply for a Bread Loan™ because you’re a valued current or past Comenity Capital Bank Credit Card, Comenity Bank Credit Card, or Bread Financial™ account holder.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How will I know when my credit card debt consolidation request has been approved? " id="e2bdcb97c3f054f8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How will I know when my credit card debt consolidation request has been approved? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e2bdcb97c3f054f8-button" aria-hidden="false"> <div class="visible-content"><p>You'll need to review your credit card balance with your existing credit card issuer. The proceeds from your Bread Loan™ will appear as a payment on your existing credit card. You should continue to make payments on any credit card accounts you’re consolidating until the accounts show they have been paid.</p> <p>It may take several days for the payment to process to your credit card. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan.</p> <p>You may also log in to the Bread Financial™ <a href="https://member-portal.breadpayments.com/login" target="_blank" rel="noopener noreferrer">Member Portal</a> to check on the status of your transfers. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What types of balances can be transferred?" id="41b91344dbeb0553" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What types of balances can be transferred?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-41b91344dbeb0553-button" aria-hidden="false"> <div class="visible-content"><p>You can transfer balances for most credit card accounts, with the exception of credit cards issued by Comenity Bank and Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. accounts.</p> <p>Not sure if your credit card account is issued by Comenity Bank or Comenity Capital Bank? Check the back of your credit card or <a href="/en/credit-card-sign-in-search.html" target="_self" rel="noopener noreferrer">search for your credit card account.</a></p> <p>Only credit card balances can be transferred for debt consolidation. Other types of debt, such as Bread Pay™ Installment Loans, are not eligible for balance transfers using a Bread Loan™.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How many balances can I consolidate? " id="dff651d599403710" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How many balances can I consolidate? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-dff651d599403710-button" aria-hidden="false"> <div class="visible-content">You can consolidate up to five eligible credit card balances using a Bread Loan™.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the APR on my Bread Loan™?" id="4cba220e2630c479" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the APR on my Bread Loan™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-4cba220e2630c479-button" aria-hidden="false"> <div class="visible-content">During the application process for a Bread Loan™, your APR is shown in the Truth In Lending Disclosure attachment. You can view the APR for your loan in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How is the APR for my Bread Loan™ determined? " id="606dba6e58855270" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How is the APR for my Bread Loan™ determined? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-606dba6e58855270-button" aria-hidden="false"> <div class="visible-content">Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors and your individual creditworthiness.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I cancel my Bread Loan™?<b> </b>&nbsp;" id="5eec8f5fc41f1985" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I cancel my Bread Loan™?<b> </b> </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5eec8f5fc41f1985-button" aria-hidden="false"> <div class="visible-content"><p>You can cancel your Bread Loan™ in the Bread Financial™ <a href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Member Portal</a>. Cancellations can only be completed before 11:59 p.m. (ET) on the day that your Bread Loan was initiated. You won’t be eligible to cancel your Bread Loan after that time because Bread Financial immediately disburses funds to pay off your credit accounts.</p> <p>If your Bread Loan is eligible for cancel<u>l</u>ation, you can cancel it using the following steps:</p> <ul><li>Sign in to the Bread Financial <a href="https://member-portal.breadpayments.com/">Member Portal.</a></li><li>Enter the email address and mobile phone number associated with your account. Then we’ll text you a four-digit verification code.</li><li>Enter the verification code in the field provided to log in.</li><li>Scroll to the bottom of your Bread Loan details, and locate the text that reads, “Need to cancel your loan? Click here to cancel.”</li><li>Select the link and follow the cancellation prompts. </li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Payments" id="d77555d1a1ab86f3" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Payments</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d77555d1a1ab86f3-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-906c73f068" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How will I know when my first payment is due? " id="9b34f9332e706b7c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How will I know when my first payment is due? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9b34f9332e706b7c-button" aria-hidden="false"> <div class="visible-content">Your first payment for your Bread Loan™ is due one month after all of your approved debt consolidation transfers are complete. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I change my payment due date?" id="bcd1894d80935c97" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I change my payment due date?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bcd1894d80935c97-button" aria-hidden="false"> <div class="visible-content">Unfortunately, we’re unable to change your payment due date. Your due dates are predetermined from the date of the last successful credit card balance transfer.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How soon before my consolidated credit card balances are paid off? " id="445744586a560dbf" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How soon before my consolidated credit card balances are paid off? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-445744586a560dbf-button" aria-hidden="false"> <div class="visible-content">You should continue to make payments on any credit card accounts you’re consolidating until the accounts show as paid. This may take several days. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan™.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What payment methods do you accept? " id="a653f4d3641daee2" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What payment methods do you accept? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a653f4d3641daee2-button" aria-hidden="false"> <div class="visible-content"><p>You can make payments on your Bread Loan™ by ACH electronic transfer from your bank account or by using a personal debit card. We can’t accept credit cards, business debit cards, bill pay service, or mail-in checks.</p> <p>Please note, payments must be received by 5:00 p.m. (ET) on your due date.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="tabs-43dbd74a45-item-129a9840b6-tabpanel" role="tabpanel" aria-labelledby="tabs-43dbd74a45-item-129a9840b6-tab" tabindex="0" class="cmp-tabs__tabpanel" data-cmp-hook-tabs="tabpanel" data-cmp-data-layer="{"tabs-43dbd74a45-item-129a9840b6":{"@type":"breadfinancial/components/tabs/item","dc:title":"Business"}}"><div class="container responsivegrid"> <div id="container-129a9840b6" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="General business information" id="59dabd537b35eb8f" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">General business information</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-59dabd537b35eb8f-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-428eb1736f" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™?" id="2a8c5f5d0061522c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2a8c5f5d0061522c-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ is an intuitive, omnichannel buy now, pay later lending platform from a financial partner you can count on. Bread Pay products include Bread Pay™ Installment Loans and Bread Pay™ SplitPay. </p> <p>Bread Pay Installment Loans are monthly financing plans offering terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on eligibility and credit qualifications.</p> <p>Bread Pay SplitPay allows eligible and qualified customers to split their purchase into four, interest-free payments, which are made every two weeks.</p> <p>With Bread Pay, customers do not have late fees, origination fees or prepayment penalties.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What types of businesses work with Bread Pay™?" id="5ca15aed51e0595a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What types of businesses work with Bread Pay™?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5ca15aed51e0595a-button" aria-hidden="false"> <div class="visible-content"><p>We work with businesses of varying sizes across different industries — from home goods and furniture to electronics and health care products. With our flexible platform and robust suite of APIs, merchants can integrate pay-over-time plans anywhere in their customers’ shopping journeys. </p> <p>To find the optimal program for your business and shoppers, you can explore our <a href="/en/business-solutions/buy-now-pay-later.html" target="_self" rel="noopener noreferrer">buy now, pay later business solutions</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why do businesses choose Bread Pay™?<b></b>" id="c6d25f3a07f8e58e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why do businesses choose Bread Pay™?<b></b></span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-c6d25f3a07f8e58e-button" aria-hidden="false"> <div class="visible-content">We make it easy for merchants to offer personalized payment experiences. Bread Pay™ helps to transform how shoppers think about price and helps drive customer loyalty. You can get access to a full suite of flexible payment options, applications and tools designed to help capture more revenue and establish long-term customer relationships.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who provides customer support for shoppers?<b></b>" id="2c65c5d018df6c12" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who provides customer support for shoppers?<b></b></span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2c65c5d018df6c12-button" aria-hidden="false"> <div class="visible-content">Our in-house Member Support team provides customer service that’s specific to Bread Pay™ for shoppers who have our products. We work hard to deliver a professional and friendly experience for your customers.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When was Bread Pay™ established?" id="279868ba753651b2" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When was Bread Pay™ established?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-279868ba753651b2-button" aria-hidden="false"> <div class="visible-content">Bread Pay™ was launched in 2014. Today, Bread Pay is a product of Comenity Capital Bank, a Bread Financial™ company.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I’m a merchant who’s using Bread Pay™. Where can I find additional information?" id="5072efb3f0756541" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I’m a merchant who’s using Bread Pay™. Where can I find additional information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-5072efb3f0756541-button" aria-hidden="false"> <div class="visible-content">If you’re a merchant using Bread Pay, please visit our <a href="https://breadfinance.my.site.com/s/" target="_blank" title="You're leaving the page to go to the Bread Pay Help Center for businesses." rel="noopener noreferrer">Merchant Help Center</a>. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.<a title="You're leaving this page to go to the Bread Pay Help Center for businesses." href="https://breadfinance.my.site.com/s/" target="_blank" rel="noopener noreferrer"></a></div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ Installment Loans" id="2772adc54f6c6e49" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ Installment Loans</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2772adc54f6c6e49-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-f23b2066da" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What are Bread Pay™ Installment Loans, and how do they work?<b></b>" id="855f640b8351a1ac" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What are Bread Pay™ Installment Loans, and how do they work?<b></b></span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-855f640b8351a1ac-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ Installment Loans are pay-over-time plans, which are also known as buy now, pay later (BNPL) plans. They are designed to offer simple payment solutions. When your customers use Bread Pay™, they are taking out a loan with Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.</p> <p>A shopper who pays with an installment loan will make monthly payments until the loan is repaid. We’ll send a notification reminding them of their due date each month, and there’s no penalty for early repayment.</p> <p>To determine the optimal program for your business and customers, you can visit our <a href="/en/business-solutions/buy-now-pay-later.html" target="_self" rel="noopener noreferrer">buy now, pay later business page</a> to review our solutions or to contact an expert for more information.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who can apply for a Bread Pay™ Installment Loan?" id="acdbda6d7baaf682" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who can apply for a Bread Pay™ Installment Loan?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-acdbda6d7baaf682-button" aria-hidden="false"> <div class="visible-content"><div>Applicants for a Bread Pay™ Installment Loan must:<ul><li>Be legal U.S. residents who are of legal age to enter in to contracts in their state (generally 18 years).</li><li>Have a valid mobile number and email address.</li></ul> <p> </p> <div>Bread Pay Installment Loan availability:</div> <ul><li>Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.</li></ul> </div> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I’m a merchant who’s using Bread Pay™. Where can I find additional information?" id="2bf4c947f0c88fe9" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I’m a merchant who’s using Bread Pay™. Where can I find additional information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2bf4c947f0c88fe9-button" aria-hidden="false"> <div class="visible-content">If you’re a merchant using Bread Pay™, please visit our <a href="https://breadfinance.my.site.com/s/" target="_blank" title="You're leaving the page to go to Bread Pay Help Center for businesses." rel="noopener noreferrer">Merchant Help Center</a>. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ SplitPay" id="3db8052b6ddd09f7" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ SplitPay</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-3db8052b6ddd09f7-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-5cb34e9a36" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is Bread Pay™ SplitPay, and how does it work?" id="39d9997db2a0919a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is Bread Pay™ SplitPay, and how does it work?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-39d9997db2a0919a-button" aria-hidden="false"> <div class="visible-content"><p>Bread Pay™ SplitPay is a buy now, pay later plan that can help your customers buy the things they want now and pay for them later by making four, interest-free payments. </p> <p>The first payment is due at the time of purchase, with the remaining three payments automatically processed every two weeks. Customers generally use Bread Pay SplitPay to pay for purchases between $50 and $1,500.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who can apply for Bread Pay™ SplitPay?" id="a25dd4d515b5cb92" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who can apply for Bread Pay™ SplitPay?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a25dd4d515b5cb92-button" aria-hidden="false"> <div class="visible-content"><div>Bread Pay™ SplitPay shoppers must:</div> <ul><li>Be legal U.S. residents who are of legal age to enter into contracts in their state (generally 18).</li><li>Have a valid mobile number and email address.</li><li>Own a debit or credit card with the funds to cover the first two payment amounts.</li></ul> <div> </div> <div>Bread Pay SplitPay availability:</div> <ul><li>Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.</li></ul> <div> </div> <p>When your shoppers are making plan payments, they cannot use ACH transactions, bank transfers or prepaid cards. Also, please note that <b>first-time customers only</b> will need to pay off their initial Bread Pay SplitPay plan before they can use Bread Pay SplitPay to make another purchase. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I’m a merchant who’s using Bread Pay™. Where can I find additional information?" id="a2d6c6f1a5a58679" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I’m a merchant who’s using Bread Pay™. Where can I find additional information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a2d6c6f1a5a58679-button" aria-hidden="false"> <div class="visible-content">If you’re a merchant using Bread Pay, please visit our <a title="You're leaving the page to go to the Bread Pay Help Center for businesses." href="https://breadfinance.my.site.com/s/" target="_blank" rel="noopener noreferrer">Merchant Help Center</a>. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ in-store – Clover devices" id="2df5d0791435f302" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ in-store – Clover devices</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2df5d0791435f302-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-e3c0839ff5" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why should merchants offer Bread Pay™ using a Clover system?" id="7919c67104941f12" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why should merchants offer Bread Pay™ using a Clover system?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-7919c67104941f12-button" aria-hidden="false"> <div class="visible-content">With a Bread Pay™ buy now, pay later solution, you can easily offer your customers a flexible way to pay over time. And if you have a compatible Clover device, you could potentially help grow your sales by driving conversion and increasing your average ticket amount.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Do merchants need a Clover point-of-sale system when offering Bread Pay™ products in-store using Clover?" id="09e14ded67f749eb" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Do merchants need a Clover point-of-sale system when offering Bread Pay™ products in-store using Clover?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-09e14ded67f749eb-button" aria-hidden="false"> <div class="visible-content">Yes. Merchants will need a compatible Clover point-of-sale system in each store location where they want to use Clover to offer Bread Pay™ products.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Which Bread Pay™ plans can be used to pay in a store with an eligible Clover system?" id="1f7fdc373142890c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Which Bread Pay™ plans can be used to pay in a store with an eligible Clover system?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1f7fdc373142890c-button" aria-hidden="false"> <div class="visible-content"><p>When shopping in-store with Bread Pay™, customers will have two options to pay for a purchase, based on their eligibility: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.</p> <p>A Bread Pay Installment Loan is a pay-over-time plan that helps shoppers make purchases with easy-to-understand, monthly payments. They pay their installment plans back monthly over 3 to 48 months, with APRs ranging from 0% to 29.99%. </p> <p>With Bread Pay SplitPay, customers pay for their purchases with four equal installments, which are due every two weeks. They make the Bread Pay SplitPay payments using a personal credit card or debit card. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I’m a merchant who’s using Bread Pay™. Where can I find additional information?" id="fe4727de4cc7cd95" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I’m a merchant who’s using Bread Pay™. Where can I find additional information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-fe4727de4cc7cd95-button" aria-hidden="false"> <div class="visible-content">If you’re a merchant using Bread Pay, please visit our <a href="https://breadfinance.my.site.com/s/" target="_blank" title="You're leaving the page to go the Bread Pay Help Center for businesses." rel="noopener noreferrer">Merchant Help Center</a>. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Bread Pay™ virtual card" id="f0037b42a46ecf9b" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Bread Pay™ virtual card</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-f0037b42a46ecf9b-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-052535d8f9" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a Bread Pay™ virtual card for use in a retail location? " id="4f417a1be81f229a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a Bread Pay™ virtual card for use in a retail location? </span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-4f417a1be81f229a-button" aria-hidden="false"> <div class="visible-content">With the Bread Pay™ buy now, pay later solution, you can easily offer your customers a flexible way to pay over time. Once a customer is approved for a Bread Pay™ Installment Loan or Bread Pay™ SplitPay plan, they can have their maximum loan amount loaded on to a virtual card. This is a one-time use card, which is valid for seven days. Customers can check out at a participating merchant’s retail location for a purchase amount that is less than or equal to their maximum loan amount. The customer’s final loan amount is the same as the purchase amount.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Does my business need to accept contactless payments to offer the Bread Pay™ virtual card?" id="b180fda946abab1b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Does my business need to accept contactless payments to offer the Bread Pay™ virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b180fda946abab1b-button" aria-hidden="false"> <div class="visible-content">No, some of our participating merchants accept contactless payments, but others do not. During the merchant onboarding process, you can choose an enrollment path based on whether or not you accept contactless payments.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Which Bread Pay™ plans can my customers use to pay in-store with a Bread Pay virtual card?" id="42f6636b0d564257" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Which Bread Pay™ plans can my customers use to pay in-store with a Bread Pay virtual card?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-42f6636b0d564257-button" aria-hidden="false"> <div class="visible-content"><p>When shopping in-store with Bread Pay™, customers have two options to pay for a purchase, based on their eligibility: a Bread Pay™ Installment Loan or a Bread Pay™ SplitPay plan.</p> <p>A Bread Pay Installment Loan is a pay-over-time plan that helps shoppers make purchases with easy-to-understand, monthly payments. They pay their installment plans back monthly over 3 to 48 months, with APRs ranging from 0% to 29.99%. </p> <p>With Bread Pay SplitPay, customers pay for their purchases in four equal installments, which are due every two weeks. They make the Bread Pay SplitPay payments using a personal credit card or debit card. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I’m a merchant who’s using Bread Pay™. Where can I find additional information?" id="ecab28e2d686c44d" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I’m a merchant who’s using Bread Pay™. Where can I find additional information?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ecab28e2d686c44d-button" aria-hidden="false"> <div class="visible-content">If you’re a merchant using Bread Pay, please visit our <a href="https://breadfinance.my.site.com/s/" target="_blank" title="You're leaving the page to go to the Bread Pay Help Center for businesses." rel="noopener noreferrer">Merchant Help Center</a>. Here, you can find more FAQs, explore Merchant Operations, and review Marketing and Compliance information.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-f6dba89871" class="cmp-container"> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-50548f1803" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-help-categories__tile" id="0653cddcaf4d537a"> <div class="bf-help-categories__tile__head"> <div class="bf-help-categories__tile__title__block"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/icons8-money-box%20(1)%201.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/icons8-money-box%20(1)%201.svg"/> </picture> <h2 class="bf-help-categories__tile__title">Savings</h2> </div> <p class="bf-help-categories__tile__title__visible-content">Discover savings essentials and account options.</p> <p class="bf-help-categories__tile__title__related-keywords">Bread Savings, Bread Savings CD, Bread Savings account, Bread HYSA, Bread high yield savings account</p> </div> <picture class="bf-help-categories__tile__image"> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/help-center/Savings%20-%20Amora.png"/> <img src="/content/dam/breadfinancial/us/en/images/help-center/Savings%20-%20Amora.png"/> </picture> <div class="bf-help-categories__faq-block"> <div class="bf-help-categories__faq-block__container"> <div id="container-83a218c78f" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="General savings information" id="94de32c4c0174bb9" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">General savings information</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-94de32c4c0174bb9-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-929e569e5d" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I know about Bread Savings?" id="ecdcefd190700a0a" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I know about Bread Savings?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ecdcefd190700a0a-button" aria-hidden="false"> <div class="visible-content">At Bread Savings, we create opportunities for our customers through digitally enabled choices that bring ease, empowerment and financial flexibility. Bread Savings™ is a product of Comenity Capital Bank, which is part of Bread Financial. We have account options to help you grow your savings, including certificates of deposit (CDs) and a high-yield savings account (HYSA).</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are there any Bread Savings branch locations I can visit?" id="15e4d3037716eb09" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are there any Bread Savings branch locations I can visit?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-15e4d3037716eb09-button" aria-hidden="false"> <div class="visible-content">As an online bank, we don’t have brick-and-mortar locations. Our low overhead is what allows us to offer competitive rates. Banking online also means you can enjoy knowledgeable, personalized customer care whether you’re at home or on the go.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the Bread Savings routing number?" id="a86ba3e12cce53a0" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the Bread Savings routing number?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a86ba3e12cce53a0-button" aria-hidden="false"> <div class="visible-content">The routing number is 124085325.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Savings account security" id="ee771fd4762e9fb9" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Savings account security</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ee771fd4762e9fb9-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-dd0bcb47fe" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How does Bread Savings ensure that my information is secure?" id="bff282904ce099fe" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How does Bread Savings ensure that my information is secure?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bff282904ce099fe-button" aria-hidden="false"> <div class="visible-content">We take numerous measures to protect your identity. For example, we require you to authenticate your identity for all information requests and transactions related to your account. Other safeguards happen behind the scenes, like monitoring our systems to keep your personal information private. Whether you’re making transactions online or through our app, you can bank with confidence.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Does Bread Savings share my personal information with other companies?" id="65c5ac3cd163ac64" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Does Bread Savings share my personal information with other companies?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-65c5ac3cd163ac64-button" aria-hidden="false"> <div class="visible-content">We respect your privacy and only share your information for security, fraud prevention or other purposes permitted by law. For more information, please review our <a href="/en/privacy.html" target="_self" rel="noopener noreferrer">Privacy Policy</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why can’t I send account information to Bread Savings by email?" id="d456ff145f71dc42" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why can’t I send account information to Bread Savings by email?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d456ff145f71dc42-button" aria-hidden="false"> <div class="visible-content">When you send an email, your message may pass through many servers — and many people with access to those servers. For security purposes, please do not email any confidential account information. Our <a href="https://mysavings.breadfinancial.com/login" target="_blank" title=" You are leaving this page to go to the Bread Savings banking portal." rel="noopener noreferrer">online banking portal</a> is a secure way to contact us.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Savings account access" id="e7f8ebb2626cce93" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Savings account access</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e7f8ebb2626cce93-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-be37bc9091" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I do if I forget my savings account username or password?" id="eeb60678d5cf5613" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I do if I forget my savings account username or password?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-eeb60678d5cf5613-button" aria-hidden="false"> <div class="visible-content">From our <a title="You are leaving this page to go to the Bread Savings banking portal." href="https://mysavings.breadfinancial.com/login" target="_blank" rel="noopener noreferrer">online banking portal</a>, you can select the “Forgot?” link when signing in. Then, you’ll be able to access your username and reset your password by providing your Social Security number and Bread Savings account number.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Which browsers does Bread Savings support?" id="0d6aa53030b1d1ba" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Which browsers does Bread Savings support?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-0d6aa53030b1d1ba-button" aria-hidden="false"> <div class="visible-content">We support recent versions of many web browsers across Windows, OSX, iOS and Android. For a seamless experience when signing up for an account, please use a browser like Chrome, Edge or Safari. If you have trouble accessing our website or experience technical issues, please contact Bread Savings Customer Care.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I add a joint account owner?" id="120b5b423abde42e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I add a joint account owner?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-120b5b423abde42e-button" aria-hidden="false"> <div class="visible-content">Joint ownership is a great way to work toward shared financial goals. You can add a joint account owner at account opening. For assistance please send a secure message through our online portal. Or reach out to Customer Care by phone.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Is there a mobile app for Bread Savings?" id="2c9509c4a6840027" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Is there a mobile app for Bread Savings?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2c9509c4a6840027-button" aria-hidden="false"> <div class="visible-content">Yes. With our <b>Bread Savings mobile app</b>, you can make deposits and withdrawals, check your balance and contact Bread Savings Customer Care, right from your device. To download for iOS, <a title="You are leaving this page to go the App Store." href="https://apps.apple.com/us/app/bread-savings/id1418641581" target="_blank" rel="noopener noreferrer">visit the App Store</a>. To download for Android, <a title="You are leaving this page to go to Google Play." href="https://play.google.com/store/apps/details?id=net.comenity.grip" target="_blank" rel="noopener noreferrer">visit Google Play</a>. Be sure to search for “Bread Savings” to locate our mobile app on these platforms.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="I'm having difficulty signing in to my savings account. What should I do?" id="c297d24f9c8b7dfe" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">I'm having difficulty signing in to my savings account. What should I do?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-c297d24f9c8b7dfe-button" aria-hidden="false"> <div class="visible-content">Please refer to the first question in this section, “What should I do if I forget my user ID or password?”. If you still have difficulty signing in, you can call Bread Savings Customer Care at <a href="tel:1-833-755-4354">1-833-755-4354</a>. We’re always happy to help.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Opening a savings account" id="ad0c173725653a77" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Opening a savings account</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ad0c173725653a77-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-f142870712" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who can open a Bread Savings account?" id="a9eeb4c6b770674e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who can open a Bread Savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a9eeb4c6b770674e-button" aria-hidden="false"> <div class="visible-content"><p>To open a Bread Savings online account, you must:</p> <ul><li>Be at least 18 years of age and a United States citizen or resident alien.</li><li>Have a valid U.S. government-issued Social Security number.</li><li>Have a physical U.S. address.</li></ul> <p>Keep in mind, only individuals may open a sole or joint ownership account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I open a Bread Savings account?" id="8ce09aeaf09dac00" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I open a Bread Savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-8ce09aeaf09dac00-button" aria-hidden="false"> <div class="visible-content"><p>It’s simple! You can easily <a href="https://opensavings.breadfinancial.com/products?customerCategory=personal&productType=all"><u>open a Bread Savings account</u></a>:</p> <ul><li>Fill out an online application, providing some basic information and funding details.</li><li>Transfer $1,500 or more into your CD, or $100 or more into your high-yield savings account.</li><li>Start saving!</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the minimum deposit to open a savings account or a CD?" id="1ed3df90d78f2f57" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the minimum deposit to open a savings account or a CD?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1ed3df90d78f2f57-button" aria-hidden="false"> <div class="visible-content">A Bread Savings High-Yield Savings Account requires a $100 minimum opening balance. A Bread Savings Certificate of Deposit requires a $1,500 minimum opening balance.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When do funds get transferred into my new Bread Savings account?" id="76150816fdb6c7e1" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When do funds get transferred into my new Bread Savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-76150816fdb6c7e1-button" aria-hidden="false"> <div class="visible-content"><p>Funds will be reflected in your account once they are received. Most fund transfers take place in one to three business days. Accounts opened at the end of the business day will not be processed until the next business day. Business days are Monday through Friday, excluding federal holidays.</p> <p>If funds you deposited or transferred are not reflected in your account within five business days, please contact Bread Savings Customer Care for assistance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Types of Bread Savings accounts" id="e60bb13d61ee40ea" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Types of Bread Savings accounts</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e60bb13d61ee40ea-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-c5142334e8" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What types of accounts does Bread Savings offer?" id="c09ae56fd431224c" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What types of accounts does Bread Savings offer?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-c09ae56fd431224c-button" aria-hidden="false"> <div class="visible-content"><p>To maximize your savings, we offer a <a title="Go our savings account page." href="/en/bread-savings/high-yield-savings-account.html">high-yield savings account</a> as well as <a title="Go to our CD page." href="/en/bread-savings/certificates-of-deposit.html">certificates of deposit</a> with terms of one, two, three, four and five years.</p> <p>If you’re interested in opening an individual retirement account (IRA) to save for retirement, you may want to <a href="https://www.breadfinancial.com/en/bread-savings/individual-retirement-account.html">explore our retirement savings options</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are Bread Savings accounts FDIC insured?" id="23378bdb684667f4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are Bread Savings accounts FDIC insured?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-23378bdb684667f4-button" aria-hidden="false"> <div class="visible-content"><p>Yes. Keeping your savings secure is our priority. When you open an account with Bread Savings, you can gain the peace of mind in knowing deposits are FDIC insured up to $250,000 per depositor for each ownership category.</p> <p>To learn more about how the FDIC keeps your money safe, visit <a title="You are leaving this page to go to the Federal Deposit Insurance Corporation website." href="https://www.fdic.gov/" target="_blank" rel="noopener noreferrer">fdic.gov</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What's the difference between a high-yield savings account and a certificate of deposit from Bread Savings?" id="6f875631e8093e30" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What's the difference between a high-yield savings account and a certificate of deposit from Bread Savings?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-6f875631e8093e30-button" aria-hidden="false"> <div class="visible-content">There are a few basic differences. Our high-yield savings account (HYSA) offers flexible access to your funds, and the rates are variable, meaning they may go up or down over time. Our certificates of deposit (CDs) offer fixed rates that do not change over the term. The CDs also provide access to your funds, although penalties apply if withdrawals are made before maturity.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Certificate of deposit" id="bd763398436a2ae3" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Certificate of deposit</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-bd763398436a2ae3-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-843a008261" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a certificate of deposit (CD)?" id="f56b6fd455e54307" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a certificate of deposit (CD)?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-f56b6fd455e54307-button" aria-hidden="false"> <div class="visible-content">Generally, a CD is a deposit account with a fixed interest rate, specific term length, and maturity date. Penalties may apply if withdrawals are made before maturity. CDs are insured by the FDIC up to $250,000 per depositor per account category. <a title="Go to our CD page." href="/en/bread-savings/certificates-of-deposit.html">Bread Savings CDs</a> require a $1,500 minimum opening balance.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are there fees associated with a Bread Savings CD?" id="9b0733088722ee78" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are there fees associated with a Bread Savings CD?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9b0733088722ee78-button" aria-hidden="false"> <div class="visible-content"><p>Here are the fees for a Bread Savings CD:</p> <ul><li>$5 for each paper statement request (online statements are free)</li><li>$15 for each official check request (a check that is guaranteed by the bank)</li><li>$25 outgoing wire transfer fee (a free, automated clearing house, ACH, transfer can be used instead)</li></ul> <p>CDs will be auto-renewed at maturity, or you can withdraw the funds within the 10-day grace period without being charged an early withdrawal penalty. </p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How is interest earned on a CD?" id="cf93f97caff86e3e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How is interest earned on a CD?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-cf93f97caff86e3e-button" aria-hidden="false"> <div class="visible-content">Interest is compounded daily. It is credited and posted monthly.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can the interest be paid out?" id="05f80e630090d056" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can the interest be paid out?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-05f80e630090d056-button" aria-hidden="false"> <div class="visible-content">The annual percentage yield (APY) assumes your interest earned remains in your account until maturity. However, you can contact Customer Care to have interest paid out monthly through an automated clearing house (ACH) electronic transfer to a Bread Savings high-yield savings account or other linked account. Requests must be made three days before the interest payment date for the change to apply to the next interest payment.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is a CD ladder?" id="da94968e91aef498" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is a CD ladder?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-da94968e91aef498-button" aria-hidden="false"> <div class="visible-content">A CD ladder is a strategy to maximize your returns and access to your funds. Instead of investing in one CD, you open a series of CDs with escalating maturity dates, so they come due on a regular basis. You can learn more on this topic by reading our Financial Education <a title="Go to our Financial Education article" href="/en/help/financial-education/topics/responsible-saving/Watch-your-savings-rise-with-a-CD-ladder.html" target="_self" rel="noopener noreferrer">article on CD ladders</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I add funds to my Bread Savings CD?" id="d61381090aa1d0a8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I add funds to my Bread Savings CD?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d61381090aa1d0a8-button" aria-hidden="false"> <div class="visible-content">You can when your CD matures. At that time, you’ll have 10 calendar days to increase its value.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What happens when my CD matures?" id="e715292fef039354" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What happens when my CD matures?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e715292fef039354-button" aria-hidden="false"> <div class="visible-content"><p>You’ll be notified when the maturity date is approaching on a Bread Savings Certificate of Deposit. Your CD will automatically renew at maturity unless we notify you otherwise. The CD term will remain the same, but you can check your new rate online in your account details.</p> <p>You’ll have 10 calendar days to withdraw the funds or close the account without penalty. Bread Savings CDs require a $1,500 minimum balance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="High-yield savings account" id="962879e3402d5a2c" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">High-yield savings account</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-962879e3402d5a2c-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-ad4ca15875" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I learn more about a Bread Savings High-Yield Savings Account?" id="dbbc40e0f2cc3138" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I learn more about a Bread Savings High-Yield Savings Account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-dbbc40e0f2cc3138-button" aria-hidden="false"> <div class="visible-content">We offer information about our <a title="Go to our high-yield savings account page." href="/en/bread-savings/high-yield-savings-account.html">high-yield savings account</a> for you to review online.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the minimum deposit required to open a savings account?" id="d3cf96d83f5a0615" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the minimum deposit required to open a savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d3cf96d83f5a0615-button" aria-hidden="false"> <div class="visible-content">You can open a Bread Savings High-Yield Savings Account with a $100 minimum balance.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Are there any fees associated with a Bread Savings high-yield savings account?" id="9aad6ee97f9a4ae3" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Are there any fees associated with a Bread Savings high-yield savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9aad6ee97f9a4ae3-button" aria-hidden="false"> <div class="visible-content"><p>Here are the fees for a high-yield savings account:</p> <ul><li>$5 for each paper statement request (online statements are free)</li><li>$15 for each official check request (a check that is guaranteed by the bank)</li><li>$25 outgoing wire transfer fee (a free, automated clearing house, ACH, transfer can be used instead)</li></ul> <p>With a Bread Savings account, there are no fees for monthly account maintenance.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When do deposits to a new savings account start earning interest?" id="ff9169a29122e3eb" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When do deposits to a new savings account start earning interest?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ff9169a29122e3eb-button" aria-hidden="false"> <div class="visible-content"><ul><li>Account deposits must be made by automated clearing house (ACH) transfers and received before 5 p.m. CT, on a business day (Monday through Friday, excluding federal holidays). Deposits received after 5 p.m. CT, or on a non-business day are processed on the next business day.</li><li>Deposits begin earning interest from the moment they are received, but they will not be immediately available for withdrawal.</li><li>Each account you open is considered new during the first 30 days after the account is opened.</li><li>For accounts, funds from ACH transfers will generally be available on the tenth business day after Bread Savings receives the transfer. However, these funds may be available earlier, depending on the type of ACH transfer.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I link other accounts to my Bread Savings account?" id="f58dd853746e01c5" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I link other accounts to my Bread Savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-f58dd853746e01c5-button" aria-hidden="false"> <div class="visible-content"><ol><li><p>1. Sign in to your online banking account.</p> </li><li><p>2. Select “Accounts” from the menu, then select the plus sign in the Accounts tab.</p> </li><li><p>3. Select “Make External Transfers.”</p> </li><li><p>4. Enter your password or answer the security question.</p> </li><li><p>5. Choose the bank with the account you want to link. If you don’t see your bank, enter its name in the search field.</p> </li><li><p>6. Enter the account name, routing number, account number and account type, and select “Submit.”</p> </li><li><p>7. Within two to four business days, you’ll receive two test deposits of less than $.99 each in the account you want to link.</p> </li><li><p>8. Sign in to your Bread Savings account, select “External Transfers.” Then, select the account you want to link and verify the test deposit amounts.</p> </li><li><p>9. You’ll receive an Account Verified message.</p> </li><li><p>10. The newly linked account will now appear in the External Transfers account list.</p> </li></ol> <p>If you have questions, please call Customer Care at <a href="tel:1-833-755-4354">1-833-755-4354</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Do you offer ATM cards, debit cards or checks with your high-yield savings account?" id="dd93256b6fd97026" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Do you offer ATM cards, debit cards or checks with your high-yield savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-dd93256b6fd97026-button" aria-hidden="false"> <div class="visible-content">Cards and checks aren’t offered because a Bread Savings account isn’t designed for frequent withdrawals. Instead, it’s focused on maximizing your savings.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will I be charged a fee if my savings account falls below a certain balance?" id="37bb2ed47580a069" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will I be charged a fee if my savings account falls below a certain balance?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-37bb2ed47580a069-button" aria-hidden="false"> <div class="visible-content">To maximize your savings, we encourage you to maintain the $100 minimum balance in your savings account that was required at account opening. However, you won’t be charged a fee if you fall below the account opening minimum.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Individual retirement accounts" id="e0b10d6231bba172" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Individual retirement accounts</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e0b10d6231bba172-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-7ed9673d80" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What types of individual retirement accounts does Bread Savings offer?" id="b8cb9df7f342ecf4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What types of individual retirement accounts does Bread Savings offer?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b8cb9df7f342ecf4-button" aria-hidden="false"> <div class="visible-content">We offer Traditional and Roth IRAs. For general information on individual retirement accounts, visit the <a href="https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras" target="_blank" rel="noopener noreferrer">IRS web page on this topic</a>. You can also <a href="/en/bread-savings/individual-retirement-account.html" target="_self" rel="noopener noreferrer">explore our retirement savings options</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the difference between a Traditional and Roth IRA?" id="61389009bbad5efd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the difference between a Traditional and Roth IRA?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-61389009bbad5efd-button" aria-hidden="false"> <div class="visible-content"><p>Traditional IRA contributions are made with pre-tax dollars and contributions may be tax deductible. In most cases, future withdrawals are taxed. Roth IRA contributions are made with after-tax dollars and are not deductible, and qualified withdrawals may be tax free.</p> <p>Be sure to consult a tax advisor for additional information.<sup>1</sup></p> <p><sup>1</sup> Bread Savings does not provide tax, legal, or financial planning advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal, or financial planning. You should consult your personal tax, legal, and financial planning advisors for advice in engaging in any transaction.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I have both a Traditional and Roth IRA?" id="23b32ad3b0a33e60" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I have both a Traditional and Roth IRA?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-23b32ad3b0a33e60-button" aria-hidden="false"> <div class="visible-content">Generally, you can open both types of IRAs, but please consult with a tax advisor regarding your specific situation.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is an IRA?" id="e3c838e4bef90f2b" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is an IRA?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e3c838e4bef90f2b-button" aria-hidden="false"> <div class="visible-content">An IRA is an individual retirement account. Bread Savings offers Traditional and Roth IRAs. If you’d like, you can <a href="/en/bread-savings/individual-retirement-account.html" target="_self" rel="noopener noreferrer">learn more about the IRAs we offer</a>. For general information on IRAs, please visit the <a href="https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras" target="_blank" title="You're leaving this page to visit the IRS website." rel="noopener noreferrer">IRS website</a>.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do a Retirement High-Yield Savings Account and a Retirement CD at Bread Savings differ?" id="d0d2a70bf2b56fe6" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do a Retirement High-Yield Savings Account and a Retirement CD at Bread Savings differ?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d0d2a70bf2b56fe6-button" aria-hidden="false"> <div class="visible-content"><p>Both the Retirement High-Yield Savings Account (HYSA) and Retirement Certificate of Deposit (CD) at Bread Savings offer the peace of mind of growing your money securely in FDIC-insured accounts.  </p> <p>A Retirement HYSA has a variable rate, meaning it can go up or down. After setting up your IRA that holds a high-yield savings account, you can make deposits into the account. When you open a Retirement CD, you’ll receive a fixed rate of return on your initial deposit until the CD matures. CDs automatically renew at maturity; however, you'll have a 10-day period at renewal to add money to your certificate of deposit, choose a CD with a new term, or redeem and close the account without an early withdrawal penalty.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Will I make pretax or after-tax contributions to my IRA at Bread Savings?" id="10079eb7d2f66b78" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Will I make pretax or after-tax contributions to my IRA at Bread Savings?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-10079eb7d2f66b78-button" aria-hidden="false"> <div class="visible-content">When deciding on the type of IRA to open, you’ll need to consider if you would be making pretax or after-tax contributions. When making pretax contributions to an IRA, you’re adding money that you haven’t paid taxes on yet. When you’re contributing after-tax income to an IRA, you’re adding money that you’ve already paid taxes on.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Can I withdraw money from a Bread Savings retirement account before retiring?" id="aac9378c18bdb859" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Can I withdraw money from a Bread Savings retirement account before retiring?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-aac9378c18bdb859-button" aria-hidden="false"> <div class="visible-content"><p>Yes, you can withdraw money from your retirement account, but you’ll want to understand what to expect in terms of taxes and penalties. Be sure to visit the IRS website and consult with a tax professional to understand the taxes and penalties associated with retirement accounts.</p> <p>To make a withdrawal from a Bread Savings retirement account, you’ll need to download and complete the IRA distribution form. Please <a href="/en/bread-savings/resource-documents.html" target="_self" rel="noopener noreferrer">visit our Forms and Documents resources</a> to find the form for your IRA type.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Information on Internal Revenue Service annual tax forms" id="80f9ef2f3b1b4cb3" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Information on Internal Revenue Service annual tax forms</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-80f9ef2f3b1b4cb3-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-4bd646c105" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is an IRS Form 1099-INT?" id="47c0ba52a4f8ed73" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is an IRS Form 1099-INT?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-47c0ba52a4f8ed73-button" aria-hidden="false"> <div class="visible-content">The IRS Form 1099-INT is an annual tax form provided by payers of interest income, such as banks. It reports the total amount of interest paid in the year on accounts where the individual is the primary owner. This form is issued to individuals that were paid an aggregate of at least $10 in interest during the calendar year.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who receives a Form 1099-INT?" id="e4c2b407a3e04d58" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who receives a Form 1099-INT?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-e4c2b407a3e04d58-button" aria-hidden="false"> <div class="visible-content">Primary account owners with $10 or more in interest paid in the prior calendar year for all accounts combined (where they are listed as the primary owner) will receive a Form 1099-INT.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is an IRS Form 1099-R?" id="1fc626faa6c625fa" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is an IRS Form 1099-R?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-1fc626faa6c625fa-button" aria-hidden="false"> <div class="visible-content">The IRS Form 1099-R reports aggregated reportable distributions of $10 or more from Individual Retirement Accounts (IRAs). It is only sent if a reportable distribution took place on an IRA. Trustee-to-trustee transfers are non-reportable transactions.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who receives a Form 1099-R?" id="d5bb68be5f8162fd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who receives a Form 1099-R?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-d5bb68be5f8162fd-button" aria-hidden="false"> <div class="visible-content">Individuals who have taken reportable distributions from their IRAs will receive a Form 1099-R.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is an IRS Form 5498?" id="83f3b553b0fbc8b7" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is an IRS Form 5498?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-83f3b553b0fbc8b7-button" aria-hidden="false"> <div class="visible-content">The IRS Form 5498 reports IRA contribution information, Fair Market Value, and Required Minimum Distribution (if applicable). This form is for information purposes only and is not required to be filed with your tax return. It is provided by January 31, but if you make prior year contributions between January 1 and April 15, you will receive an additional form reflecting the prior year contribution information after the tax filing deadline.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who receives a Form 5498?" id="de61388077f023e6" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who receives a Form 5498?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-de61388077f023e6-button" aria-hidden="false"> <div class="visible-content"><p>Individuals who have made reportable IRA contributions, including annual (current or prior year) or rollover contributions, will receive a Form 5498. Trustee-to-trustee transfers are non-reportable transactions.</p> <p>If you receive an annual tax form, be sure to keep it for your records.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="When will I get my tax form related to my Bread Savings account?" id="878e9c3080fd2109" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">When will I get my tax form related to my Bread Savings account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-878e9c3080fd2109-button" aria-hidden="false"> <div class="visible-content"><p>Each year, Internal Revenue Service tax forms will be provided electronically to the primary account owner on or before January 31 (or the next business day if January 31 falls on a weekend or legal holiday).</p> <p>Although the exact date will vary, electronic tax forms will be made available to the primary account owner through online banking. You will receive an email notification when the tax form is available to review, download and print in the “Documents” section of online banking.</p> <p>We will also furnish a paper copy of required tax forms by mail through the U.S. Postal Service. The tax form will be sent to the primary account owner’s mailing address. This means that all primary account owners should make sure that their mailing address on file is correct. Due to the large volume of tax forms mailed through the U.S. Postal Service during January, it may take several days to receive the paper copy tax form.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is the Tax Identification Number (TIN) on the 1099-INT form?" id="a32ba600969f2ed1" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is the Tax Identification Number (TIN) on the 1099-INT form?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-a32ba600969f2ed1-button" aria-hidden="false"> <div class="visible-content">The Comenity Capital Bank TIN is 65-1180275. Bread Savings is a brand of Comenity Capital Bank, member FDIC.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What if I have a question or find a mistake on my tax form?" id="b9f0d17364d028f4" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What if I have a question or find a mistake on my tax form?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-b9f0d17364d028f4-button" aria-hidden="false"> <div class="visible-content">If you have a question or think there might be an error, please send us a secure message or call Bread Savings Customer Care. Depending on the situation, you may be required to complete additional forms or provide supporting documents.</div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-help-categories__tile" id="0659df2e2c3a7ce5"> <div class="bf-help-categories__tile__head"> <div class="bf-help-categories__tile__title__block"> <picture> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/icons/blue/Help.svg"/> <img src="/content/dam/breadfinancial/us/en/images/icons/blue/Help.svg"/> </picture> <h2 class="bf-help-categories__tile__title">General questions</h2> </div> <p class="bf-help-categories__tile__title__visible-content">Here’s some info on who we are, account security and more.</p> <p class="bf-help-categories__tile__title__related-keywords">SCRA, Security and fraud, general help, Account sign in, Account log in, about Bread Financial</p> </div> <picture class="bf-help-categories__tile__image"> <source media="(min-width: 768px)" srcset="/content/dam/breadfinancial/us/en/images/help-center/General%20Questions%20-%20Amora.png"/> <img src="/content/dam/breadfinancial/us/en/images/help-center/General%20Questions%20-%20Amora.png"/> </picture> <div class="bf-help-categories__faq-block"> <div class="bf-help-categories__faq-block__container"> <div id="container-e9a48b23b6" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="About Bread Financial" id="56e76de4a478d533" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">About Bread Financial</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-56e76de4a478d533-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-73baf392f6" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Who is Bread Financial?" id="23d35b00d32a02fd" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Who is Bread Financial?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-23d35b00d32a02fd-button" aria-hidden="false"> <div class="visible-content">We’re a tech-forward financial services company offering a full suite of payment, lending and saving solutions. For more than 35 years we’ve been servicing credit card programs for many of the country’s most recognized brands.</div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How do I sign it to my account from your website?" id="65494474261ec52e" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How do I sign it to my account from your website?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-65494474261ec52e-button" aria-hidden="false"> <div class="visible-content"><p>You can sign in based on the type of account you have.</p> <ul><li>Bread Savings: Sign in to a <a href="https://mysavings.breadfinancial.com/login" style=" background-color: rgb(255,255,255); ">Bread Savings account</a>.<br /> </li><li>Credit card accounts: <a href="/en/credit-card-sign-in-search.html">Search for your card</a> to get started.</li><li>Loans: Sign in to a Bread Pay or Bread Loans account from our <a href="https://member-portal.breadpayments.com/">member portal</a>.</li></ul> </div> <div class="related-keywords">login,log in</div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Why would Bread Financial or Comenity contact me?" id="133b4aabd118fba9" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Why would Bread Financial or Comenity contact me?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-133b4aabd118fba9-button" aria-hidden="false"> <div class="visible-content"><p>Bread Financial or Comenity, which is a Bread Financial company, may call, text or email you in response to account questions or concerns, if your account is past due, or with marketing and servicing messages.</p> <p>We’ll never ask you to provide sensitive information through email or text. We may ask you to verify your identity over the phone, but if you’re ever unsure about whether a call is coming from us, please <a href="/en/help-center.html#contactus" target="_self" rel="noopener noreferrer">contact us</a>. We may also send texts to your mobile number with ID verification codes or to contact you about a past-due account.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Security and fraud protection<b></b>" id="689a6497b732e3e6" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Security and fraud protection<b></b></span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-689a6497b732e3e6-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-57abc407af" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What should I do if my account information is lost, stolen or compromised?" id="716a7f7e66e69b45" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What should I do if my account information is lost, stolen or compromised?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-716a7f7e66e69b45-button" aria-hidden="false"> <div class="visible-content"><p>If your information is lost, stolen or compromised, or you notice suspicious activity, please contact the Customer Care team that supports your account immediately.</p> <ul><li>Credit card accounts: Call the phone number on the back of your credit card or on your statement. You can also find the number by <a href="/en/search-results.html">searching for your card</a> and visiting Account Center.</li><li>Bread Loans and Bread Pay™ accounts: Call <a href="tel:1-844-992-7323">1-844-992-7323</a>.</li><li>Bread Savings accounts: Call <a href="tel:1-833-755-4354">1-833-755-4354</a>.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I help keep my password secure?" id="ecc856bb57aaa020" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I help keep my password secure?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-ecc856bb57aaa020-button" aria-hidden="false"> <div class="visible-content"><p>You’ll create a unique username and password to access your accounts. When creating or resetting your password, keep these tips in mind:</p> <ul><li>Choose a strong password that’s a combination of numbers, symbols and uppercase and lowercase letters.</li><li>Avoid using simple passwords, personal information like family names, or anything that could be easily learned about you.</li><li>Change your password often, generally, every three months.</li><li>Only save your username and password on personal devices, preferably in a password manager app that’s designed for securely storing passwords. Keep the information private and avoid writing it down.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I help protect my account against fraud?" id="10790a8e42d3b778" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I help protect my account against fraud?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-10790a8e42d3b778-button" aria-hidden="false"> <div class="visible-content"><p>While we’re working to protect you from unauthorized use of your account, you can also take steps to keep it safer.</p> <ul><li>Never let an unauthorized user have access to your account information.</li><li>Keep your cell phone number and other contact information updated so we can verify your identity if needed.</li><li>Connect to trusted or virtual private networks when sending personal or financial information. Never use an unsecured email or public Wi-Fi hotspot.</li><li>Store account documents and credit cards in a safe place.</li><li>Activate and sign your credit cards.</li></ul> <p> </p> <p>You can get more account security tips by visiting the <a></a><a href="https://consumer.ftc.gov/identity-theft-and-online-security">Federal Trade Commission (FTC) website</a>.</p> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="How can I help keep my personal information secure?" id="4e9d05a88bd3bded" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">How can I help keep my personal information secure?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-4e9d05a88bd3bded-button" aria-hidden="false"> <div class="visible-content"><p>Protecting your privacy and account security is our top priority. We use the latest technology to encrypt your personal information. This includes your account numbers, Social Security number, name, address, phone number and email.</p> <p>Here are some ways you can also help protect your information:</p> <ul><li>Make sure you connect to your financial accounts using a trusted network, rather than an unknown one or public Wi-Fi.</li><li>When accessing your account in public, be aware of anyone who may be watching.</li><li>Confirm you’re on a secure website by checking for a padlock or key symbol next to the web address in your browser.</li><li>Watch for email alerts letting you know changes were made to your account.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Is it safe for me to email Bread Financial about my account?" id="9958e4cacda12b80" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Is it safe for me to email Bread Financial about my account?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-9958e4cacda12b80-button" aria-hidden="false"> <div class="visible-content"><p>If you need to contact us, you can call us or use the contact information included on your account statement. If you do email us, never include confidential account or personal information. This is because email is not encrypted, so it’s not a secure form of communication.</p> <p>To help safeguard your personal and account information, be on the alert for phone, email and mail security risks.</p> <p>Email</p> <ul><li>Do not share personal or account information by email or respond to unsolicited emails.</li><li>Be wary of emails asking for personal or financial information.</li><li>Don’t open links or attachments if you don’t know the sender.</li></ul> <p> </p> <p>Phone</p> <ul><li>Never share personal or account information over the phone unless you made the call.</li><li>Hang up if you’re unsure about the person or organization calling you.</li><li>Never respond to an unsolicited text message asking for personal or financial information.</li><li>Notify your carrier immediately if your phone is lost or stolen.</li></ul> <p> </p> <p>Mail</p> <ul><li>Go paperless to reduce the risk of mail fraud.</li><li>Let us know if an account statement or a new credit card does not arrive when expected.</li><li>Don’t include a Social Security number or driver’s license number on a mailed check.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> </div> </div> </div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Service Members Civil Relief Act (SCRA)" id="2ab943c271d4f32b" aria-expanded="false" data-products-questions-categories="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Service Members Civil Relief Act (SCRA)</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-2ab943c271d4f32b-button" aria-hidden="false"> <div class="related-keywords"></div> <div class="bf-accordion"> <div id="container-435008a624" class="cmp-container"> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="What is SCRA?" id="189afe66803e17fe" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">What is SCRA?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-189afe66803e17fe-button" aria-hidden="false"> <div class="visible-content"><p>Servicemembers Civil Relief Act, or SCRA, is a national law providing financial relief and protection to eligible, active-duty military personnel. Bread Financial is committed to providing eligible service members with benefits and protections pursuant to the SCRA. SCRA's primary benefits to eligible service members include offering an interest rate of no more than 6% on accounts. You may be eligible for SCRA benefits and protections on any Comenity Credit Card account you may have as:</p> <ul><li>An active-duty member of the Army, Navy, Air Force, Marine Corps, or Coast Guard.</li><li>An Army, Navy, Air Force, Marine Corps, or Coast Guard reservist serving on active duty.</li><li>A National Guard member in qualifying active service.</li><li>A commissioned officer of the National Oceanic & Atmospheric Administration or Public Health Service on active service.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> <div class="faq"> <div class="bf-accordion"> <div class="cmp-accordion__item bf-accordion__item "> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-title" aria-label="Where can I find eligibility, benefits and application information for the Servicemembers Civil Relief Act (SCRA)?" id="97dfdd00b2ffcfe8" aria-expanded="false" data-faqs="true"> <span class="icon-up" alt=""></span> <span class="icon-down" alt=""></span> <span class="cmp-accordion__title accordion-title__label">Where can I find eligibility, benefits and application information for the Servicemembers Civil Relief Act (SCRA)?</span> </button> </h3> <div class="cmp-accordion__panel accordion-content" role="region" aria-labelledby="accordion-97dfdd00b2ffcfe8-button" aria-hidden="false"> <div class="visible-content"><p>You may request SCRA benefits within 180 days following the end of your active-duty period. For questions about your account's eligibility or how to submit your request for relief under SCRA, call <a href="tel:1-855-463-0222">1-855-463-0222</a>. Monday through Friday 8 a.m. to 8 p.m. ET (closed holidays).</p> <p>When requesting SCRA benefits, choose which of the following options is most convenient for you:</p> <ul><li>Mail your written request, along with your military orders or a letter from your commanding officer, on military letterhead showing any active-duty periods to this address: <br /> Bread Financial <br /> Attn: SCRA Request <br /> P.O. Box 182273 <br /> Columbus, Ohio 43218-2273</li></ul> <ul><li>Fax your written request to 1-614-729-3417. You must include your active-duty orders or a letter from your commanding officer on official letterhead showing any of your active-duty periods.</li></ul> </div> <div class="related-keywords"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="faq aem-GridColumn aem-GridColumn--default--12"> <div class="bf-help-wrapper__search-results " id="bf-help-search-results"> <div class="faq-search-data-attributes" data-results-for-text="results for" data-results-pagination-limit="10" data-page-text="page" data-of-text="of" data-category-topics-subtopics="Topics and Subtopics" data-category-product-questions="Products and other categories" data-category-faq="FAQs" data-couldnt-find-any-results="We couldn't find any results for"></div> <div class="search-results-breadcrumb"> <button type="button" aria-label="Back to all topics" id="back-to-topics">Help Center</button> <span>></span> <div class="search-results-breadcrumb__text">Help Center search results</div> </div> <h2 class="help-center-results-title">Help Center search results</h2> <div class="bf-help-results__block"> <div class="help-tabs"> <button class="help-tabs__link" aria-label="All" type="button">All</button> <button class="help-tabs__link" aria-label="Frequently Asked Questions" type="button">FAQs</button> </div> <div class="help-tab-content"> <div class="help-tab-content__block"> <div id="all-results-head" class="tab-results-count"></div> <div id="all-results-data"></div> <div class="all-results-refine-your-search refine-your-search"><p>Try refining your search:</p> <ul><li>Check your spelling</li><li>Search for one or two words</li><li>Use general terms or phrases</li></ul> </div> </div> <div class="help-tab-content__block"> <div id="faqs-head" class="tab-results-count"></div> <div id="faqs-data"></div> <div class="faqs-refine-your-search refine-your-search"><p>Try refining your search:</p> <ul><li>Check your spelling</li><li>Search for one or two words</li><li>Use general terms or phrases</li></ul> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid get-in-touch aem-GridColumn aem-GridColumn--default--12"> <div id="contactus" class="cmp-container"> <div class="image"> <div data-cmp-is="image" data-cmp-src="/en/help-center/_jcr_content/root/container/container/image.coreimg{.width}.svg/1695761928722/get-in-touch-main.svg" data-asset-id="a4b00d5a-2f30-4b3e-b51a-c44bc07bfb70" data-cmp-filereference="/content/dam/breadfinancial/us/en/images/help-center/get-in-touch-main.svg" id="image-51aabefd0f" data-cmp-data-layer="{"image-51aabefd0f":{"@type":"breadfinancial/components/image","repo:modifyDate":"2023-09-12T20:24:55Z","image":{"repo:id":"a4b00d5a-2f30-4b3e-b51a-c44bc07bfb70","repo:modifyDate":"2023-09-26T20:58:48Z","@type":"image/svg+xml","repo:path":"/content/dam/breadfinancial/us/en/images/help-center/get-in-touch-main.svg"}}}" data-cmp-hook-image="imageV3" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/en/help-center/_jcr_content/root/container/container/image.coreimg.svg/1695761928722/get-in-touch-main.svg" loading="lazy" class="cmp-image__image" itemprop="contentUrl" alt="Get in touch"/> </div> </div> <div class="text"> <div data-cmp-data-layer="{"text-783f3af983":{"@type":"breadfinancial/components/text","repo:modifyDate":"2024-04-02T18:27:05Z","xdm:text":"<h2>Get in touch<br>\r\n</h2>\r\n<p>Can't find what you’re looking for? Here are a few ways to contact us.</p>\r\n<p><a href=\"/content/breadfinancial/us/en/help-center/getintouch-creditcards.html\"><b>Credit cards</b></a></p>\r\n<p>You can send us a secure message, or call us for credit card support.</p>\r\n<p>&nbsp;</p>\r\n<p><a href=\"/content/breadfinancial/us/en/help-center/getintouch-loans.html\"><b>Loans</b></a></p>\r\n<p>Email or call us for help. Making a payment? <a style=\"font-size: 16.0px;\" href=\"https://member-portal.breadpayments.com/\" target=\"_blank\" rel=\"noopener noreferrer\">Visit our member portal</a>.</p>\r\n<p>&nbsp;</p>\r\n<p><a href=\"/content/breadfinancial/us/en/help-center/getintouch-savings.html\">Savings</a></p>\r\n<p>Send a secure message through our online portal. Or reach out to Customer Care by phone.<br>\r\n</p>\r\n"}}" id="text-783f3af983" class="cmp-text"> <h2>Get in touch<br /> </h2> <p>Can't find what you’re looking for? Here are a few ways to contact us.</p> <p><a href="/en/help-center/getintouch-creditcards.html"><b>Credit cards</b></a></p> <p>You can send us a secure message, or call us for credit card support.</p> <p> </p> <p><a href="/en/help-center/getintouch-loans.html"><b>Loans</b></a></p> <p>Email or call us for help. Making a payment? <a style=" font-size: 16.0px; " href="https://member-portal.breadpayments.com/" target="_blank" rel="noopener noreferrer">Visit our member portal</a>.</p> <p> </p> <p><a href="/en/help-center/getintouch-savings.html">Savings</a></p> <p>Send a secure message through our online portal. Or reach out to Customer Care by phone.<br /> </p> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-9f27f69a3f" class="cmp-experiencefragment cmp-experiencefragment--financial-education-resources-carousel"> <div id="container-895704618c" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="carouseltta aem-GridColumn aem-GridColumn--default--12"> <div class="bf-carousel-tta body-container bf-padding-top-about-us " style="background-color:"> <div class="bf-carousel-tta__container "> <h2 class="bf-carousel-tta--title text-center">Financial education resources for you </h2> <div class="bf-carousel-tta__slider content-true"> <div class="bf-carousel-tta__slider__content bf-carousel-tta__slider__about"> <div class="bf-carousel-tta__slider__item">  <a class="bf-carousel-tta__slider__image__link" target="_self" 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Comenity Bank and Comenity Capital Bank are Bread Financial Companies. Bread Pay™ and Bread Loans™ are a suite of loan products made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.</p> <p><img src="/content/dam/breadfinancial/us/en/images/Header-and-Footer/FDIC.png" alt=""/> All deposit products are provided by Comenity Capital Bank, a Utah state-chartered bank. ©2025 Comenity Capital Bank.<br /> </p> </div> </div> </footer></div> <div class="modal"> <div class="bf-modal" id="footer-contact-us-modal" aria-hidden="true" aria-live="polite"> <div class="bf-modal__overlay" tabindex="-1" data-micromodal-close> <div class="bf-modal__container" role="dialog" aria-modal="true" style="--btnThemeColor : #1C8195"> <header class="modal-header"> <button aria-label="Close modal and return to main content" class="close-btn" alt="Close" data-micromodal-close><span></span></button> </header> <div class="modal-content"> <h3>Get In Touch<a href="tel:1-855-796-9632" target="_blank" rel="noopener noreferrer"></a></h3> <p>Can't find what you are looking for? 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