Bread Financial Login: How To Manage Your Account Online

Comenity is now Bread Financial. They’ve expanded beyond credit (credit cards managed by Comenity Bank or Comenity Capital Bank) and saving products to provide simple, personalized payment, lending and saving solutions. However, the Bread Financial Login portal allows credit card account holders, Bread Loans, Installments or SplitPay Customer to manage their accounts online.

To better serve their customers, they’ve expanded their products to give you more ways to shop, borrow and save. However, whether you want to learn more about Bread Financial, need to find help with your credit card account, Bread Loans, Installments, SplitPay or want to discover ways to take control of your finances, this article can help.

What You Need To Know About Bread Financial

Bread Financial 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. You’ll eventually start to see the Bread Financial logo in place of the Comenity logo on their communications as they evolve to their new identity.

This rebrand doesn’t affect how Comenity Bank or Comenity Capital Bank cardholders pay their bill. No, nothing changes. This rebrand won’t change your account balance, payment options or due date. You can continue to choose from all the same ways to pay—whatever works best for you:

Online through Account Center or Comenity’s EasyPay, or mailing to the same address through the US Postal Service. You can also call the phone number on your statement or credit card to pay through the automated phone system or with a representative.

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.

They 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 them, please contact them. They may also send texts to your mobile number with ID verification codes or to contact you about a past-due account.

Bread Financial Login: How To Manage Your Account Online

Here are some quick steps to get access to your Bread Financing account and enjoy its various features. Just follow them correctly and in no time you will see its dashboard on your screen. Also, you don’t need to change how you manage your account. Oh, by the way, you will also need a user name and password for this.

Bread Financial Login: How To Manage Your Account Online

1: Comenity Bank or Comenity Capital Bank cardholders: You can continue to manage your card and account as you have been. Locate your Account Center site to sign in and view your balance, transactions and schedule your payments, or call the phone number on your statement to use the automated system.

2: Comenity Direct customers: You can continue to check your account balance and make contributions through Comenity Direct’s site.

3: Bread Loans, Installments or SplitPay Customer? To access your account, go to

Bread Financial Frequently Asked Questions

1: 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.

2: 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.

3: How do I manage my Bread Buy Now, Pay Later or Installment Loan account online? Visit Bread Payments.

4: How do I manage my Bread Savings CD or Savings account online? Visit Bread Savings.

5: 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.

6: How do I find help for my Bread Savings account? Visit Bread Savings Fequently Asked Questions.

7: How do I find help with my Bread Payments account? Visit Bread Payments Frequently Asked Questions.

8: Can I receive assistance reading my billing statement or other account materials? Yes, they are happy to offer a variety of free services to support their customers who have accessibility needs. Please contact their customer care team using the information below.

How To Contact Bread Financial Customer Service

If you cannot find what you are looking for, Here are a few ways to get in touch With Bread Financial Customer Service for additional assistance.

1: By Secure Messaging: Cardholders, you can send a secure message on Account Center. Find your card to get started.

2: 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 Bank
PO Box 183003
Columbus, OH 43218

Comenity Capital
PO Box 182273
Columbus, OH 43218

Bread Savings
PO Box 182084
Columbus, OH 43218

3: By Phone: Whether you have an account with Comenity, Bread Savings, or Bread Payments, you can call them during business hours.


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