So far Bread is great. I like that they allow one to see all the payment options ; payoffs, partial payments, remaining monthly payment info; so upfront and honest. I really like it. I will definitely use Bread again if my positive experience continues. My credit score was in the low 600's at the time I applied so I think they are willing to take the risk on lower credit applicants. I used Bread to buy my Thermomix TM5. Part of my positive experience can be attributed with my satisfaction of the purchase of this amazing appliance. I never realized how many words 100 is. Anyway, the weather here in Snowmass Village is overcast and getting colder; we're expecting snow tonight through tomorrow. We need all the moisture we can get.