So all in all didn't so much have a problem.. but overall use a CC don't use Bread.. here is why.. I purchased a Brava Oven for $995 my payments were around $50.. their website is horrible making you use text messages to login, then their is almost no information on their website like how much interest you've paid, etc.. it only says You paid (guessing on principle) and how much your loan was for 995.. so you have no idea what you are really paying (just the way loan companies like it.) If you call you will never get through and then they could care less about you when you do get someone. I was paying $150 to get loan over and done with, but their system wouldn't credit it to my next payment so even though I am paying my 2 year loan off in six month, go several nag messages about late payments because their system wasn't applying them to my next payment.. again, I always paid more before due date, but their system was applying payments to my PREVIOUS month and they managed to charge me late fees and basically told me it was my problem because I paid to soon- awfull horrible basically the template for a BAD BAD BAD loan company.. my advice- use a CC or other financing you'll be glad you did.