Bread Financial Cash Back Amex Approved - myFICO® Forums - 6600862

myFICO® Forums

Received a pre-approved mail in mailbox. It's my first time heard this card. After doing some research, I found out Bread Financial is just Comenity Bank rebranded and this is their new card announced in April. There is no SUB and it's a flat 2% Cash Back card with no AF and no FTF. Here is more info about this card:

https://www.americanexpress.com/en-us/network/bread/credit-cards/index.html

I applied and instantly approved. SL $3500. Pulled EX, EX FICO 8 is 683.

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14 REPLIES 14

Congrats! Does this card have CDW?

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CONGRATS!!!!!

OH YEAH BREAD AMEX

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 2500 /first savings bank cc 2500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 39k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

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Congrats, enjoy the dough.

Navy Federal Cash Rewards Signature Visa: $30,000

Navy Federal Flagship Rewards Signature Visa: $25,000

Navy Federal More Rewards American Express: $25,000

Synchrony Venmo Signature Visa: $30,000

Synchrony Premiere World Mastercard: $18,000

Synchrony Verizon Visa: $15,000

American Express Blue Cash Preferred: $5,000

American Express Blue Cash Everyday: $30,000

American Express Everyday: $10,000

American Express Blue: $5,000

Navy Federal Checking Line of Credit: $15,000

Chase Freedom Unlimited Visa: $23,000

Chase Freedom Visa: $17,000

Chase Slate Visa: $15,000

Citi Custom Cash Mastercard: $15,000

Bank of America Cash Rewards World Mastercard: $35,000

Comenity NFL Extra Points Visa: $10,000

Wells Fargo Rewards Signature Visa: $17,500

Wells Fargo Platinum Visa: $21,500

Wells Fargo Active Cash Visa: $10,000

"If you don't stand for something, you might fall for anything."

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Congratulations on your approval

(Ch13 Discharged 07/22) Current Cards: American Express Gold: NPSL | American Express Blue Cash Everyday: $15,000 | American Express Delta SkyMiles Platinum: $1,700 | Navy Federal Credit Union Cash Rewards: $10,000 | Dover Federal Credit Union Cash Back: $10,000 | Penfed Cash Rewards: $7,500 | Truist Enjoy Cash: $5,500 | Truist Enjoy Travel: $5,500 | Truist Future: $3,500 | Bread American Express Cash Back $8,500 | Discover it $12,000 | USAA Rewards Amex $12,000 | Kohl’s $800 | Care Credit $7,000 | Lowes $3,000 | Amazon Store Card $1,500 | Jared $5,000
Total Revolving Credit: $108,500
Closed Rebuild Cards: Ollo Platinum: $3,900 | Ollo Rewards: $3,000 | Mercury $3,000 | Surge Card $1,000

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Congratulations on The cash back "Bread" Approval! 🎉🎉🎉

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Congratulations on your Bread Amex approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (November 2023):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

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WooHoo!! Congratulations on your Bread Approval!!👏🏼🍾🥂

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Congrats on your Bread Cashback AMEX approval

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Congrats to you on your approval it's a nice card

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