I never go out of my way to write a review, but this is an exception. I took out the IKEA Projekt Card, which is provided by Bread Financial, and my card expired in early 2025. I wasn’t automatically sent a replacement, so I called to receive a new one and was told it would arrive in 10 business days. Reader, three months and more than a dozen phone calls have passed, and I still don’t have a replacement. Every single time I call, I am told I will receive it in 10 business days. I’ve also been told a supervisor will call me in 10 business days. Neither of those two things ever happened. At one point after I called for the 7th time to inquire what was going on, the customer service representative simply hung up. I pay my credit card on time and I keep my calm every time I interact with them. It should not be difficult to just mail out a new credit card. Or at the very least explain what is going on. Shame on the companies that do business with this predatory financial institution. Whoever runs customer service at Bread Financial is either incompetent, unethical or a combination of both. If you have the misfortune of being involved with this monstrosity, pay off whatever you need to pay off immediately and RUN.
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