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 comenity.net 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.
