Bread Financial Holdings, Inc. functions as a technologically advanced financial services firm, specializing in the development of customized financial solutions. These offerings encompass various payment processing methods, credit provision, and savings opportunities. Key products include both proprietary-label and co-branded credit cards, innovative "buy now, pay later" financing options, and direct consumer engagement services. The company primarily caters to individuals within the subprime credit segment, reaching this audience through its extensive network of retail collaborations.
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