How Can We Help You?

Whether you want to learn more about who we are, need to find help with your credit card account or want to discover ways to take control of your finances, we can help.



Frequently Asked Questions

Who is Bread Financial?

We are a tech-forward financial services company offering a full suite of payment, lending and saving products that give you more ways to shop, borrow and save.



What happened to Comenity?

Bread Financial is our new name and identity. You'll eventually start to see the Bread Financial logo in place of the Comenity logo as we evolve to our new identity. Learn more.


Why would Bread Financial or Comenity contact me?

Bread Financial and/or Comenity 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.


We will 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 are ever unsure about whether a call is coming from us, please contact us. We may also send texts to your mobile number with ID verification codes or to contact you about a past-due account.

How can I apply for a credit card or loan, or sign up for a saving account?

You can apply for a Bread Financial credit card account online. Find available credit products on our home page or visit a brand's website to apply.



How can I manage my credit account online?

You can manage it through the online Account Center for your specific card.

If you are experiencing difficulties registering for online access to Account Center, check the following:


  • If you recently requested a change to your account, please wait 48 hours before trying to register again.
  • Be sure you are on the correct Account Center for your credit program. Search programs.
  • Be sure you're entering the correct account number, found on your billing statement or credit card.
  • Be sure you're entering the Social Security number, Social Insurance number, or alternate ID you used when you applied for your credit card.
  • Be sure you're entering the ZIP/postal code that matches the address of your last bill.


How do I manage my Bread Buy Now, Pay Later or Installment Loan account online?

Visit Bread Payments.


How do I manage my Bread Savings CD or Savings account online?

Visit Bread Savings.


How can I get a copy of the account agreement for my credit product?

You can access the most recent copy of your credit card account agreement here.


How do I find help for my Bread Savings account?

Visit Bread Savings Fequently Asked Questions.


How do I find help with my Bread Payments account?

Visit Bread Payments Frequently Asked Questions.


Can I receive assistance reading my billing statement or other account materials?

Yes, we’re happy to offer a variety of free services to support our customers who have accessibility needs. Please contact our customer care team using the information below.


What should I do if my account information is lost, stolen or compromised?

For credit card accounts: Please call the customer care team immediately at the phone number on the back of your credit card, or you can access it by searching for your card and visiting Account Center.


For Bread Payment accounts: Please call the customer care team immediately at 1-844-992-7323


For Bread Savings accounts: Please call the customer care team immediately at 1-833-755-4354


What steps are being taken to protect my information?

Protecting your privacy and account security is our top priority—that's why we use the latest encryption technology. We also work to keep your information protected when you create a credit account with us, and things you can do to help:


Password Security – we ask you to create a unique user name and password when you register for Account Center access.


What You Can Do: Change your password at least every six months. Be sure to avoid common password habits and simple passwords, movie quotes, family names and anything that could easily be learned about you. When resetting your password, you will be prompted to meet our minimum requirements – we encourage you to aim for the most secure password possible.


Network Security – we encrypt your personal information, including your credit card account number, Social Security number, name, address, phone number and email address.


What You Can Do: Make sure your internet connection is known and secure. When possible, avoid signing in to Account Center over a public or unknown network.


Device Security - if you use multiple devices, borrow someone's computer, or use a public computer to sign in, we may require additional verification, known as "out-of-band authentication," before allowing access to Account Center. Do not share the authentication code with anyone and remember that you will never be asked to share your code over text or over the phone. If prompted, only choose to save your username and password on your personal device.


What You Can Do: Keep your contact information updated so we can reach you and verify your identity.


Session Security – we disconnect you after 15 minutes of inactivity, and send email alerts when certain changes are made to your account or profile. We may also ask you to enter your password again from time to time when you change critical pieces of information, such as your contact information. Please note that you will never be asked to enter your password on a site other than a site.


What You Can Do: When using a mobile device, we recommend using a secure PIN or fingerprint recognition to unlock the device. Never keep your account open on an unattended computer, even at home. Sign out of your session before closing your browser window, and on your mobile device. Keep your contact information up to date so you can be contacted if suspicious activity occurs.


If you would like to learn more about protecting yourself from identity theft, please visit the Federal Trade Commission (FTC) Identity Theft Website.

What is SCRA?

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 six percent (6%) on accounts. You may be eligible for SCRA benefits and protections on your Comenity Credit Card account(s) if you are:


  • An active duty member of the Army, Navy, Air Force, Marine Corps, or Coast Guard
  • An Army, Navy, Air Force, Marine Corps, or Coast Guard reservist serving on active duty
  • A National Guard member in qualifying active service
  • A commissioned officer of the National Oceanic & Atmospheric Administration or Public Health Service on active service.


Where can I find eligibility, benefits and application information for the Servicemembers Civil Relief Act (SCRA)?

You may request SCRA benefits within 180 days following the end of your active duty period. You may choose whichever of the following options is most convenient for you, you may call for assistance.


  • Call

For questions about your account's eligibility or how to submit your request for relief under SCRA, call 1-855-463-0222. Monday-Friday 8 a.m.–8 p.m. ET (closed holidays)


  • Mail

Mail your written request, along with your military orders or a letter from your commanding officer, on military letterhead showing your active duty period(s) to this address:

Bread Financial
Attn: SCRA Request
PO BOX 182273
Columbus, Ohio 43218-2273


  • Fax

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 your active duty period(s).





Get In Touch

Can't find what you are looking for? Here are a few ways to get in touch.


By Secure Messaging

Cardholders, you can send a secure message on Account Center. Find your card to get started.


By Mail

Cardholders and Bread Savings Accountholders, send mail to the address associated with your account. Not sure which bank is yours? It will be listed on the back of your card or on your statement.



Comenity BankComenity CapitalBread Savings
PO Box 183003PO Box 182273PO Box 182084
Columbus, OH 43218Columbus, OH 43218Columbus, OH 43218


By Phone

Whether you have an account with Comenity, Bread Savings, or Bread Payments, you can call us during business hours.

1-855-796-9632 (TDD/TTY:1-888-819-1918)