Bread Pay
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Runaround with no results
This company approved me for a payment plan, and the website said to click Bread Pay as an option at checkout. I did exactly that and it declined my payment plan. When I informed the company I was shopping at, they sent me to Bread, who told me to call the credit union because something was wrong. Nothing was. I was told to try it again online, and I was rejected again. This took two days to work through, and when I went to another company to shop that uses Affirm, I had a payment plan approved in minutes and I was on my way. Bread is tedious and inefficient as a company, despite their employees' best efforts to work against what is undoubtedly the result of sloppy management. It's embarrassing for a business to be so terrible at providing exactly one functionality, costing their clients money because they refuse to provide their promised services.