Bread Financial Reviews

I am a new customer. I was told that I put in the wrong payment information but I know I didn’t and customer service went out of there way to give no solutions but more or less threatened me. They made it very clear that the computer was glitched continuously went down. They went so far as to inform me that I must of used my debit card instead of my checking information which made no sense since the routing info was correct but the checking info was so off that I even tried my best and hardest to very calmly explain that I felt that the glitch may have tripped my payment info but they refused to hear any of it and told me my account is frozen until paid off and than I must wait several weeks after that before I am entitled to to use it again. So until than my CREDIT WILL BE DESTROYED BY AMEX TO THERE DESIRE BECAUSE OF THERE COMPUTER GLITCH AND ZERO ASSISTANCE FROM CUSTOMER SERVICE. I had to figure out on my own how to after several days get back into my locked out account finally update the payment info and than pay the account off as quickly as possible. I will keep the account but under the (Freedom Act) I request a complete history print out of my payment info from Aerospace when I opened the account just here back in November 2023. Should you deny this request please let me know immediately. Please let me know as to exactly what day I may use credit card again officially. Thank you very much for any and assistance in this matter.

I really like the ease of use on BreadFinancial and how SMOOTH the interface is. It’s everything in an app that I would have loved to see in my other major credit cards that I use. But I won’t be using this card now simply because of one thing that’s missing. Push notifications for purchases. Why is this not an option for such an advanced OS? I love being in the know in real time on purchase made with my card. Its how I’ve caught fraudulent charges on my other cards in the past and was able to stop it before it was too late. Needs to be added. Also another reason is cause the gas station precharged my CC 175 dollars for 9 bucks worth of gas. I know this is a pending charge. But it still affects my credit line in the meantime which I don’t like. This is not an issue with my other CC’s.

This is 2024. Everything is done electronically instantly and automatically. But, this company wants to continue acting like it takes 1-2 billing cycles just to update any setup or change to your automated payments. It’s an obvious scam to hope you forget to pay or have to keep checking to see if your auto pay has kicked in yet. Most people will not remember to check, and be slapped with a late fee. There is no telling how many thousands of dollars this company makes just from this one scam alone. Totally unacceptable! After all, none of my other 11 credit card companies take 1-2 billing cycles to do this. After all, it’s 2024! Did I already say that??!

Woot woot! BreadFinancial is awesome, especially because my favorite card is their Amex Cashback product. Love being able to see everything in a clear view and able to track my rewards right away. Some really cool features they put into BreadFinancial, and made it an easier way to access all the necessities I need for my card.

I’ve had my AAA Visa through BoA and they sold the account to Comenity Bank in Oct. 2022 all this time I had to go into my email to access account to pay on line. Thank you for catching up with EVERY other financial institution

Finally a banking app which is clean, modern, and easy to use! I love the way BreadFinancial is organized, and I found it easy to find the information I needed. Overall, I am really happy with BreadFinancial.

I love my bread card one thing would make this a 10 out of 10 is a credit limit increase

BreadFinancial looks great and is very clean. Really enjoy the user interface. The reason for the two stars is because there is not an option for purchase alerts. Hopefully this is fixed soon I saw this is a pretty common theme on the reviews, please listen to your customers and add this feature!

A credit card that understand the end user !!! Very easy and a wonder to work with. I highly recommend this card.

BreadFinancial is surprisingly easy to navigate and it runs very smoothly. I was expecting it to be clunky like most other bank apps, and have been pleasantly surprised.

Bread cash back is a really good card if you keep current they are generous on extending credit don’t hesitate get it you won’t be sorry.

I haven’t been able to use BreadFinancial for over a week now. Just keeps giving me a message saying “it’s not you it’s us. We’re experiencing a technical issue. Our team is team is working to resolve this as soon as possible. Please try again later. I understand that sometimes things go wrong but a week is a bit much.

BreadFinancial compliments the Bread Cashback AMEX card beautifully with a simple and intuitive design. Would love to see notifications and apps for other Comenity cards (like the AAA cards).

Got approved with a $2800 credit line, had bought something for $20 with Apple Pay. Got my card in the mail all for it to be already closed. So you approved me sent me a card and then close my account. I’m extremely perplexed. Stay away from this card they will ruin your credit by opening and closing your account.

Please add ability to pay/monitor store cards like Ulta and Victoria Secret soon! Paying via app is so much easier than going to the various payment webpages for each card

Last week or so it takes multiple attempts to get BreadFinancial to open on my iPhone. Deleted and downloaded again and same problem. Needs a bug fix update please!

Would have gotten 5 stars but Bank info must be manually entered instead of copied and pasted from bank app. Could be more user friendly.

I been ask for AP for some time scents I open account with you,
But now it’s here it look good

Thank you

When I make purchases or if a purchase is made that I didn’t authorize. I will never know until I check the account. I would love to see my credit score, but you can’t cause BreadFinancial don’t have that perk. Hopefully that will be something for us bread customers to look forward to!!!

Received my $245 cash back after I paid my first statement. Great signup bonus!

I just downloaded BreadFinancial and added my card. So far so good. But when I try to log into my account I get the “It’s not you it’s us” message others have reported. I’ve been getting this for several days. When I click on BreadFinancial support, it takes me to Bread Financial’s website and there are no options for BreadFinancial. Likewise, I’ve called the number the “developer” lists in other reviews for help. There are 2 options and neither are for app support. Picking either one (and hoping to get a human) gives me a recorded message and then the system hangs up. I’ll delete BreadFinancial and continue using the website. As others have said - it’s 2024 - you can’t make an app that actually works?

Since switching to the new card I am always wasting about 30-40 minutes trying to sign in to either the wrong account or the website doesn’t work. Very poor infrastructure. And of course because of this I wind up paying my bill late which I thought I had already scheduled but probably on the wrong site. Annoying

I have a few different credit cards thru Comenity, I wish the NFL CARD had a mobile app to make payments easier…..

Never miss a payment before I did call to make a payment why’d it not went through don’t know this is bull