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Bread Financial Holdings, Inc. – ‘10-K’ for 12/31/23 – ‘EX-101.SCH’

On:  Tuesday, 2/20/24, at 7:13am ET   ·   For:  12/31/23   ·   Accession #:  1101215-24-41   ·   File #:  1-15749

Previous ‘10-K’:  ‘10-K’ on 2/28/23 for 12/31/22   ·   Latest ‘10-K’:  This Filing   ·   75 References:   

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  As Of               Filer                 Filing    For·On·As Docs:Size

 2/20/24  Bread Financial Holdings, Inc.    10-K       12/31/23  128:15M

Annual Report   —   Form 10-K   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   3.13M 
 4: EX-10.10    Material Contract                                   HTML     66K 
 6: EX-10.127   Material Contract                                   HTML     47K 
 7: EX-10.128   Material Contract                                   HTML     49K 
 8: EX-10.137   Material Contract                                   HTML     49K 
 9: EX-10.138   Material Contract                                   HTML    289K 
 5: EX-10.14    Material Contract                                   HTML     54K 
 2: EX-10.2     Material Contract                                   HTML     34K 
 3: EX-10.9     Material Contract                                   HTML     67K 
10: EX-21       Subsidiaries List                                   HTML     36K 
11: EX-23.1     Consent of Expert or Counsel                        HTML     32K 
16: EX-97       Clawback Policy re: Recovery of Erroneously         HTML     59K 
                Awarded Compensation                                             
12: EX-31.1     Certification -- §302 - SOA'02                      HTML     37K 
13: EX-31.2     Certification -- §302 - SOA'02                      HTML     37K 
14: EX-32.1     Certification -- §906 - SOA'02                      HTML     34K 
15: EX-32.2     Certification -- §906 - SOA'02                      HTML     34K 
22: R1          Cover Page                                          HTML     98K 
23: R2          Audit Information                                   HTML     37K 
24: R3          Consolidated Statements of Income                   HTML    156K 
25: R4          Consolidated Statements of Comprehensive Income     HTML     80K 
26: R5          Consolidated Statements of Comprehensive Income     HTML     36K 
                (Parenthetical)                                                  
27: R6          Consolidated Balance Sheets                         HTML    109K 
28: R7          Consolidated Balance Sheets (Parenthetical)         HTML     46K 
29: R8          Consolidated Statements of Stockholders' Equity     HTML     96K 
30: R9          Consolidated Statements of Stockholders' Equity     HTML     34K 
                (Parenthetical)                                                  
31: R10         Consolidated Statements of Cash Flows               HTML    144K 
32: R11         Description of Business, Basis of Presentation and  HTML     74K 
                Summary of Significant Accounting Policies                       
33: R12         Credit Card and Other Loans                         HTML    112K 
34: R13         Allowance for Credit Losses                         HTML     52K 
35: R14         Securitizations                                     HTML     46K 
36: R15         Investments                                         HTML     90K 
37: R16         Goodwill and Intangible Assets, Net                 HTML     73K 
38: R17         Other Assets                                        HTML     47K 
39: R18         Leases                                              HTML     49K 
40: R19         Deposits                                            HTML     57K 
41: R20         Borrowings of Long-Term and Other Debt              HTML    106K 
42: R21         Other Liabilities                                   HTML     43K 
43: R22         Other Non-Interest Income and Other Non-Interest    HTML     53K 
                Expenses                                                         
44: R23         Fair Values of Financial Instruments                HTML    115K 
45: R24         Regulatory Matters and Capital Adequacy             HTML     66K 
46: R25         Commitments and Contingencies                       HTML     37K 
47: R26         Employee Benefit Plans                              HTML     41K 
48: R27         Changes in Accumulated Other Comprehensive Loss     HTML     63K 
49: R28         Stockholders' Equity                                HTML     78K 
50: R29         Income Taxes                                        HTML    109K 
51: R30         Earnings Per Share                                  HTML     63K 
52: R31         Parent Company Financial Statements                 HTML    112K 
53: R32         Description of Business, Basis of Presentation and  HTML    120K 
                Summary of Significant Accounting Policies                       
                (Policies)                                                       
54: R33         Description of Business, Basis of Presentation and  HTML     44K 
                Summary of Significant Accounting Policies                       
                (Tables)                                                         
55: R34         Credit Card and Other Loans (Tables)                HTML     98K 
56: R35         Allowance for Credit Losses (Tables)                HTML     47K 
57: R36         Securitizations (Tables)                            HTML     42K 
58: R37         Investments (Tables)                                HTML     90K 
59: R38         Goodwill and Intangible Assets, Net (Tables)        HTML    102K 
60: R39         Other Assets (Tables)                               HTML     47K 
61: R40         Leases (Tables)                                     HTML     49K 
62: R41         Deposits (Tables)                                   HTML     59K 
63: R42         Borrowings of Long-Term and Other Debt (Tables)     HTML     84K 
64: R43         Other Liabilities (Tables)                          HTML     43K 
65: R44         Other Non-Interest Income and Other Non-Interest    HTML     54K 
                Expenses (Tables)                                                
66: R45         Fair Values of Financial Instruments (Tables)       HTML    108K 
67: R46         Regulatory Matters and Capital Adequacy (Tables)    HTML     62K 
68: R47         Changes in Accumulated Other Comprehensive Loss     HTML     62K 
                (Tables)                                                         
69: R48         Stockholders' Equity (Tables)                       HTML     65K 
70: R49         Income Taxes (Tables)                               HTML    106K 
71: R50         Earnings Per Share (Tables)                         HTML     62K 
72: R51         Parent Company Financial Statements (Tables)        HTML    116K 
73: R52         DESCRIPTION OF BUSINESS, BASIS OF PRESENTATION AND  HTML     97K 
                SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES -                     
                Additional Information (Details)                                 
74: R53         CREDIT CARD AND OTHER LOANS - Financing Receivable  HTML     53K 
                (Details)                                                        
75: R54         CREDIT CARD AND OTHER LOANS - Amortized Cost Basis  HTML     50K 
                Credit Card and Loan Receivables (Details)                       
76: R55         CREDIT CARD AND OTHER LOANS - Narrative (Details)   HTML    107K 
77: R56         CREDIT CARD AND OTHER LOANS - Credit Quality on     HTML     43K 
                Amortized Cost Basis (Details)                                   
78: R57         CREDIT CARD AND OTHER LOANS - Credit Cards          HTML     43K 
                (Details)                                                        
79: R58         CREDIT CARD AND OTHER LOANS - Aging Analysis        HTML     46K 
                (Details)                                                        
80: R59         CREDIT CARD AND OTHER LOANS - Troubled Debt         HTML     48K 
                Restructurings (Details)                                         
81: R60         ALLOWANCE FOR CREDIT LOSSES - Narrative (Details)   HTML     39K 
82: R61         ALLOWANCE FOR CREDIT LOSSES - Rollforward           HTML     48K 
                (Details)                                                        
83: R62         Securitizations (Details)                           HTML     44K 
84: R63         INVESTMENTS - Investments (Details)                 HTML     43K 
85: R64         INVESTMENTS - Amortized Cost (Details)              HTML     41K 
86: R65         INVESTMENTS - Continuous Loss Position (Details)    HTML     48K 
87: R66         INVESTMENTS - Narrative (Details)                   HTML     52K 
88: R67         GOODWILL AND INTANGIBLE ASSETS, NET - Narrative     HTML     44K 
                (Details)                                                        
89: R68         GOODWILL AND INTANGIBLE ASSETS, NET - Finite Lived  HTML     68K 
                Assets and Indefinite Lived Assets (Details)                     
90: R69         GOODWILL AND INTANGIBLE ASSETS, NET - Maturity      HTML     48K 
                Schedule (Details)                                               
91: R70         Other Assets (Details)                              HTML     56K 
92: R71         Leases (Details)                                    HTML     45K 
93: R72         Leases - Supplemental lease information (Details)   HTML     37K 
94: R73         LEASES - Maturities of lease liabilities (Details)  HTML     51K 
95: R74         DEPOSITS - Interest and Non-Interest Bearing        HTML     38K 
                (Details)                                                        
96: R75         DEPOSITS - Deposits by Type (Details)               HTML     48K 
97: R76         DEPOSITS - Maturity of Deposits (Details)           HTML     48K 
98: R77         DEPOSITS - Narrative (Details)                      HTML     36K 
99: R78         BORROWINGS OF LONG-TERM AND OTHER DEBT - Schedule   HTML     88K 
                of Long Term Debt and Other Debt (Details)                       
100: R79         BORROWINGS OF LONG-TERM AND OTHER DEBT - Narrative  HTML    190K  
                (Details)                                                        
101: R80         BORROWINGS OF LONG-TERM AND OTHER DEBT -            HTML     95K  
                Maturities (Details)                                             
102: R81         Other Liabilities (Details)                         HTML     48K  
103: R82         Other Non-Interest Income and Other Non-Interest    HTML     52K  
                Expenses (Details)                                               
104: R83         FAIR VALUES OF FINANCIAL INSTRUMENTS - Fair Value   HTML     51K  
                of Instruments (Details)                                         
105: R84         FAIR VALUES OF FINANCIAL INSTRUMENTS - Fair Value   HTML     43K  
                Level Disclosure (Details)                                       
106: R85         FAIR VALUES OF FINANCIAL INSTRUMENTS - Narrative    HTML     44K  
                (Details)                                                        
107: R86         FAIR VALUES OF FINANCIAL INSTRUMENTS - Assets and   HTML     59K  
                Liabilities Not Carried at Fair Value (Details)                  
108: R87         Regulatory Matters and Capital Adequacy (Details)   HTML     79K  
109: R88         Commitments and Contingencies (Details)             HTML     45K  
110: R89         Employee Benefit Plans (Details)                    HTML     79K  
111: R90         Changes in Accumulated Other Comprehensive Loss     HTML     62K  
                (Details)                                                        
112: R91         Changes in Accumulated Other Comprehensive Loss -   HTML     40K  
                Narrative (Details)                                              
113: R92         STOCKHOLDERS' EQUITY - Stock Repurchase Programs    HTML     42K  
                (Details)                                                        
114: R93         STOCKHOLDERS' EQUITY - Stock Compensation Plans     HTML     84K  
                and Expense (Details)                                            
115: R94         STOCKHOLDERS' EQUITY - Dividends (Details)          HTML     40K  
116: R95         STOCKHOLDERS' EQUITY - Restricted Stock Unit        HTML     83K  
                Awards and Stock Options (Details)                               
117: R96         INCOME TAXES - Schedule of Components of Tax        HTML     55K  
                (Details)                                                        
118: R97         INCOME TAXES - Reconciliation (Details)             HTML     56K  
119: R98         INCOME TAXES - Narrative (Details)                  HTML     63K  
120: R99         INCOME TAXES - Deferred Tax Assets and Liabilities  HTML     71K  
                (Details)                                                        
121: R100        INCOME TAXES - Unrecognized Tax Benefits (Details)  HTML     46K  
122: R101        Earnings Per Share (Details)                        HTML     99K  
123: R102        Parent Company Financial Statements (Details)       HTML    205K  
125: XML         IDEA XML File -- Filing Summary                      XML    220K  
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124: EXCEL       IDEA Workbook of Financial Report Info              XLSX    246K  
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<link:definition> 0000025 - Disclosure - COMMITMENTS AND CONTINGENCIES </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="EMPLOYEEBENEFITPLANS" roleURI="http://www.breadfinancial.com/role/EMPLOYEEBENEFITPLANS">
<link:definition> 0000026 - Disclosure - EMPLOYEE BENEFIT PLANS </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CHANGESINACCUMULATEDOTHERCOMPREHENSIVELOSS" roleURI="http://www.breadfinancial.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVELOSS">
<link:definition> 0000027 - Disclosure - CHANGES IN ACCUMULATED OTHER COMPREHENSIVE LOSS </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="STOCKHOLDERSEQUITY" roleURI="http://www.breadfinancial.com/role/STOCKHOLDERSEQUITY">
<link:definition> 0000028 - Disclosure - STOCKHOLDERS' EQUITY </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INCOMETAXES" roleURI="http://www.breadfinancial.com/role/INCOMETAXES">
<link:definition> 0000029 - Disclosure - INCOME TAXES </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="EARNINGSPERSHARE" roleURI="http://www.breadfinancial.com/role/EARNINGSPERSHARE">
<link:definition> 0000030 - Disclosure - EARNINGS PER SHARE </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="PARENTCOMPANYFINANCIALSTATEMENTS" roleURI="http://www.breadfinancial.com/role/PARENTCOMPANYFINANCIALSTATEMENTS">
<link:definition> 0000031 - Disclosure - PARENT COMPANY FINANCIAL STATEMENTS </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" roleURI="http://www.breadfinancial.com/role/DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies">
<link:definition> 9954471 - Disclosure - DESCRIPTION OF BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables" roleURI="http://www.breadfinancial.com/role/DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESTables">
<link:definition> 9954472 - Disclosure - DESCRIPTION OF BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSTables" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSTables">
<link:definition> 9954473 - Disclosure - CREDIT CARD AND OTHER LOANS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="ALLOWANCEFORCREDITLOSSESTables" roleURI="http://www.breadfinancial.com/role/ALLOWANCEFORCREDITLOSSESTables">
<link:definition> 9954474 - Disclosure - ALLOWANCE FOR CREDIT LOSSES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="SECURITIZATIONSTables" roleURI="http://www.breadfinancial.com/role/SECURITIZATIONSTables">
<link:definition> 9954475 - Disclosure - SECURITIZATIONS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INVESTMENTSTables" roleURI="http://www.breadfinancial.com/role/INVESTMENTSTables">
<link:definition> 9954476 - Disclosure - INVESTMENTS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="GOODWILLANDINTANGIBLEASSETSNETTables" roleURI="http://www.breadfinancial.com/role/GOODWILLANDINTANGIBLEASSETSNETTables">
<link:definition> 9954477 - Disclosure - GOODWILL AND INTANGIBLE ASSETS, NET (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="OTHERASSETSTables" roleURI="http://www.breadfinancial.com/role/OTHERASSETSTables">
<link:definition> 9954478 - Disclosure - OTHER ASSETS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="LEASESTables" roleURI="http://www.breadfinancial.com/role/LEASESTables">
<link:definition> 9954479 - Disclosure - LEASES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DEPOSITSTables" roleURI="http://www.breadfinancial.com/role/DEPOSITSTables">
<link:definition> 9954480 - Disclosure - DEPOSITS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="BORROWINGSOFLONGTERMANDOTHERDEBTTables" roleURI="http://www.breadfinancial.com/role/BORROWINGSOFLONGTERMANDOTHERDEBTTables">
<link:definition> 9954481 - Disclosure - BORROWINGS OF LONG-TERM AND OTHER DEBT (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="OTHERLIABILITIESTables" roleURI="http://www.breadfinancial.com/role/OTHERLIABILITIESTables">
<link:definition> 9954482 - Disclosure - OTHER LIABILITIES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="OTHERNONINTERESTINCOMEANDOTHERNONINTERESTEXPENSESTables" roleURI="http://www.breadfinancial.com/role/OTHERNONINTERESTINCOMEANDOTHERNONINTERESTEXPENSESTables">
<link:definition> 9954483 - Disclosure - OTHER NON-INTEREST INCOME AND OTHER NON-INTEREST EXPENSES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="FAIRVALUESOFFINANCIALINSTRUMENTSTables" roleURI="http://www.breadfinancial.com/role/FAIRVALUESOFFINANCIALINSTRUMENTSTables">
<link:definition> 9954484 - Disclosure - FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="REGULATORYMATTERSANDCAPITALADEQUACYTables" roleURI="http://www.breadfinancial.com/role/REGULATORYMATTERSANDCAPITALADEQUACYTables">
<link:definition> 9954485 - Disclosure - REGULATORY MATTERS AND CAPITAL ADEQUACY (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CHANGESINACCUMULATEDOTHERCOMPREHENSIVELOSSTables" roleURI="http://www.breadfinancial.com/role/CHANGESINACCUMULATEDOTHERCOMPREHENSIVELOSSTables">
<link:definition> 9954486 - Disclosure - CHANGES IN ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="STOCKHOLDERSEQUITYTables" roleURI="http://www.breadfinancial.com/role/STOCKHOLDERSEQUITYTables">
<link:definition> 9954487 - Disclosure - STOCKHOLDERS' EQUITY (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INCOMETAXESTables" roleURI="http://www.breadfinancial.com/role/INCOMETAXESTables">
<link:definition> 9954488 - Disclosure - INCOME TAXES (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="EARNINGSPERSHARETables" roleURI="http://www.breadfinancial.com/role/EARNINGSPERSHARETables">
<link:definition> 9954489 - Disclosure - EARNINGS PER SHARE (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="PARENTCOMPANYFINANCIALSTATEMENTSTables" roleURI="http://www.breadfinancial.com/role/PARENTCOMPANYFINANCIALSTATEMENTSTables">
<link:definition> 9954490 - Disclosure - PARENT COMPANY FINANCIAL STATEMENTS (Tables) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESAdditionalInformationDetails" roleURI="http://www.breadfinancial.com/role/DESCRIPTIONOFBUSINESSBASISOFPRESENTATIONANDSUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESAdditionalInformationDetails">
<link:definition> 9954491 - Disclosure - DESCRIPTION OF BUSINESS, BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Additional Information (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSFinancingReceivableDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSFinancingReceivableDetails">
<link:definition> 9954492 - Disclosure - CREDIT CARD AND OTHER LOANS - Financing Receivable (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSAmortizedCostBasisCreditCardandLoanReceivablesDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSAmortizedCostBasisCreditCardandLoanReceivablesDetails">
<link:definition> 9954493 - Disclosure - CREDIT CARD AND OTHER LOANS - Amortized Cost Basis Credit Card and Loan Receivables (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSNarrativeDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSNarrativeDetails">
<link:definition> 9954494 - Disclosure - CREDIT CARD AND OTHER LOANS - Narrative (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSCreditQualityonAmortizedCostBasisDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSCreditQualityonAmortizedCostBasisDetails">
<link:definition> 9954495 - Disclosure - CREDIT CARD AND OTHER LOANS - Credit Quality on Amortized Cost Basis (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSCreditCardsDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSCreditCardsDetails">
<link:definition> 9954496 - Disclosure - CREDIT CARD AND OTHER LOANS - Credit Cards (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSAgingAnalysisDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSAgingAnalysisDetails">
<link:definition> 9954497 - Disclosure - CREDIT CARD AND OTHER LOANS - Aging Analysis (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="CREDITCARDANDOTHERLOANSTroubledDebtRestructuringsDetails" roleURI="http://www.breadfinancial.com/role/CREDITCARDANDOTHERLOANSTroubledDebtRestructuringsDetails">
<link:definition> 9954498 - Disclosure - CREDIT CARD AND OTHER LOANS - Troubled Debt Restructurings (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="ALLOWANCEFORCREDITLOSSESNarrativeDetails" roleURI="http://www.breadfinancial.com/role/ALLOWANCEFORCREDITLOSSESNarrativeDetails">
<link:definition> 9954499 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="ALLOWANCEFORCREDITLOSSESRollforwardDetails" roleURI="http://www.breadfinancial.com/role/ALLOWANCEFORCREDITLOSSESRollforwardDetails">
<link:definition> 9954500 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Rollforward (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="SECURITIZATIONSDetails" roleURI="http://www.breadfinancial.com/role/SECURITIZATIONSDetails">
<link:definition> 9954501 - Disclosure - SECURITIZATIONS (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INVESTMENTSInvestmentsDetails" roleURI="http://www.breadfinancial.com/role/INVESTMENTSInvestmentsDetails">
<link:definition> 9954502 - Disclosure - INVESTMENTS - Investments (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INVESTMENTSAmortizedCostDetails" roleURI="http://www.breadfinancial.com/role/INVESTMENTSAmortizedCostDetails">
<link:definition> 9954503 - Disclosure - INVESTMENTS - Amortized Cost (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INVESTMENTSContinuousLossPositionDetails" roleURI="http://www.breadfinancial.com/role/INVESTMENTSContinuousLossPositionDetails">
<link:definition> 9954504 - Disclosure - INVESTMENTS - Continuous Loss Position (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="INVESTMENTSNarrativeDetails" roleURI="http://www.breadfinancial.com/role/INVESTMENTSNarrativeDetails">
<link:definition> 9954505 - Disclosure - INVESTMENTS - Narrative (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="GOODWILLANDINTANGIBLEASSETSNETNarrativeDetails" roleURI="http://www.breadfinancial.com/role/GOODWILLANDINTANGIBLEASSETSNETNarrativeDetails">
<link:definition> 9954506 - Disclosure - GOODWILL AND INTANGIBLE ASSETS, NET - Narrative (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="GOODWILLANDINTANGIBLEASSETSNETFiniteLivedAssetsandIndefiniteLivedAssetsDetails" roleURI="http://www.breadfinancial.com/role/GOODWILLANDINTANGIBLEASSETSNETFiniteLivedAssetsandIndefiniteLivedAssetsDetails">
<link:definition> 9954507 - Disclosure - GOODWILL AND INTANGIBLE ASSETS, NET - Finite Lived Assets and Indefinite Lived Assets (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="GOODWILLANDINTANGIBLEASSETSNETFiniteLivedAssetsandIndefiniteLivedAssetsDetails_1" roleURI="http://www.breadfinancial.com/role/GOODWILLANDINTANGIBLEASSETSNETFiniteLivedAssetsandIndefiniteLivedAssetsDetails_1">
<link:definition> 9954507 - Disclosure - GOODWILL AND INTANGIBLE ASSETS, NET - Finite Lived Assets and Indefinite Lived Assets (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="GOODWILLANDINTANGIBLEASSETSNETMaturityScheduleDetails" roleURI="http://www.breadfinancial.com/role/GOODWILLANDINTANGIBLEASSETSNETMaturityScheduleDetails">
<link:definition> 9954508 - Disclosure - GOODWILL AND INTANGIBLE ASSETS, NET - Maturity Schedule (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="OTHERASSETSDetails" roleURI="http://www.breadfinancial.com/role/OTHERASSETSDetails">
<link:definition> 9954509 - Disclosure - OTHER ASSETS (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="LEASESDetails" roleURI="http://www.breadfinancial.com/role/LEASESDetails">
<link:definition> 9954510 - Disclosure - LEASES (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="LEASESSupplementalleaseinformationDetails" roleURI="http://www.breadfinancial.com/role/LEASESSupplementalleaseinformationDetails">
<link:definition> 9954511 - Disclosure - LEASES - Supplemental lease information (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="LEASESMaturitiesofleaseliabilitiesDetails" roleURI="http://www.breadfinancial.com/role/LEASESMaturitiesofleaseliabilitiesDetails">
<link:definition> 9954512 - Disclosure - LEASES - Maturities of lease liabilities (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="LEASESMaturitiesofleaseliabilitiesDetails_1" roleURI="http://www.breadfinancial.com/role/LEASESMaturitiesofleaseliabilitiesDetails_1">
<link:definition> 9954512 - Disclosure - LEASES - Maturities of lease liabilities (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DEPOSITSInterestandNonInterestBearingDetails" roleURI="http://www.breadfinancial.com/role/DEPOSITSInterestandNonInterestBearingDetails">
<link:definition> 9954513 - Disclosure - DEPOSITS - Interest and Non-Interest Bearing (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DEPOSITSDepositsbyTypeDetails" roleURI="http://www.breadfinancial.com/role/DEPOSITSDepositsbyTypeDetails">
<link:definition> 9954514 - Disclosure - DEPOSITS - Deposits by Type (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DEPOSITSMaturityofDepositsDetails" roleURI="http://www.breadfinancial.com/role/DEPOSITSMaturityofDepositsDetails">
<link:definition> 9954515 - Disclosure - DEPOSITS - Maturity of Deposits (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
</link:roleType>
<link:roleType id="DEPOSITSNarrativeDetails" roleURI="http://www.breadfinancial.com/role/DEPOSITSNarrativeDetails">
<link:definition> 9954516 - Disclosure - DEPOSITS - Narrative (Details) </link:definition>
<link:usedOn> link:presentationLink </link:usedOn>
<link:usedOn> link:calculationLink </link:usedOn>
<link:usedOn> link:definitionLink </link:usedOn>
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<link:definition> 9954528 - Disclosure - EMPLOYEE BENEFIT PLANS (Details) </link:definition>
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<xs:element id="bfh_ScheduleOfOtherSignificantPoliciesTableTextBlock" abstract="false" name="ScheduleOfOtherSignificantPoliciesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
<xs:element id="bfh_Series2023AAssetBackedTermNotesMember" abstract="true" name="Series2023AAssetBackedTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_A2023CreditAgreementMember" abstract="true" name="A2023CreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_TranslationAdjustmentForNetInvestmentHedgeIncreaseDecreaseBeforeTax" abstract="false" name="TranslationAdjustmentForNetInvestmentHedgeIncreaseDecreaseBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_AccountingPoliciesTable" abstract="true" name="AccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
<xs:element id="bfh_FiveLargestCreditCardProgramsMember" abstract="true" name="FiveLargestCreditCardProgramsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInYearThree" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_IntercompanyReceivablesNet" abstract="false" name="IntercompanyReceivablesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_LongTermTaxReserves" abstract="false" name="LongTermTaxReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" abstract="false" name="LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CreditCardLoansMember" abstract="true" name="CreditCardLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_LineOfCreditMaturityOctober2024Member" abstract="true" name="LineOfCreditMaturityOctober2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_StockIssuedUnderEmployeeStockPurchasePlansShares" abstract="false" name="StockIssuedUnderEmployeeStockPurchasePlansShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bfh_ServiceBasedRestrictedStockUnitAwardsMember" abstract="true" name="ServiceBasedRestrictedStockUnitAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_IncomeTaxRateReconciliationQualifiedProductionActivityNetOfReservesAmount" abstract="false" name="IncomeTaxRateReconciliationQualifiedProductionActivityNetOfReservesAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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<xs:element id="bfh_ProceedsFromInvestmentIncomeDividendFromSubsidiaries" abstract="false" name="ProceedsFromInvestmentIncomeDividendFromSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_RepaymentsOfLongTermDebtAndOther" abstract="false" name="RepaymentsOfLongTermDebtAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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<xs:element id="bfh_LoyaltyOneMember" abstract="true" name="LoyaltyOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_CreditScoreFrom601To660Member" abstract="true" name="CreditScoreFrom601To660Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_EmployeeStockPurchasePlanMaximumPercentageOfVotingPowerAfterStockPurchase" abstract="false" name="EmployeeStockPurchasePlanMaximumPercentageOfVotingPowerAfterStockPurchase" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_DebtInstrumentConvertibleConversionPricePremium" abstract="false" name="DebtInstrumentConvertibleConversionPricePremium" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
<xs:element id="bfh_DebtInstrumentConvertibleTermsOfConversionAxis" abstract="true" name="DebtInstrumentConvertibleTermsOfConversionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bfh_FinancialAsset61To90DaysOrGreaterPastDueMember" abstract="true" name="FinancialAsset61To90DaysOrGreaterPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_CombinedBanksMember" abstract="true" name="CombinedBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_DeferredIncomeTaxExpenseBenefitIncludingDiscontinuedOperations" abstract="false" name="DeferredIncomeTaxExpenseBenefitIncludingDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_OtherSundryNoninterestExpense" abstract="false" name="OtherSundryNoninterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CreditCardAndLoanReceivablesWithTemporaryAndPermanentConcessions" abstract="false" name="CreditCardAndLoanReceivablesWithTemporaryAndPermanentConcessions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_NumberOfCreditCardLoansHeldForSale" abstract="false" name="NumberOfCreditCardLoansHeldForSale" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
<xs:element id="bfh_ComenityCapitalBankMember" abstract="true" name="ComenityCapitalBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_TypeOfDepositAxis" abstract="true" name="TypeOfDepositAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
<xs:element id="bfh_DeferredTaxLiabilitiesRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVestWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVestWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
<xs:element id="bfh_EmployeeStockPurchasePlanCommonStockPurchasePriceAsPercentageOfFairMarketValue" abstract="false" name="EmployeeStockPurchasePlanCommonStockPurchasePriceAsPercentageOfFairMarketValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_TimeDepositsUnamortizedDebtDiscount" abstract="false" name="TimeDepositsUnamortizedDebtDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_ShareBasedCompensationArrangementByShareBasedPaymentAwardEarnedPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEarnedPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_EquityInUndistributedNetLossOfSubsidiaries" abstract="false" name="EquityInUndistributedNetLossOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_ProceedsFromIssuanceOfLongTermDebtAndOther" abstract="false" name="ProceedsFromIssuanceOfLongTermDebtAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_MarketBasedRestrictedStockUnitAwardsMember" abstract="true" name="MarketBasedRestrictedStockUnitAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_InternalUseSoftwareMember" abstract="true" name="InternalUseSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_TypeOfDepositDomain" abstract="true" name="TypeOfDepositDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_IntercompanyLiabilitiesNet" abstract="false" name="IntercompanyLiabilitiesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_NetPrincipalLossRate" abstract="false" name="NetPrincipalLossRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_LVIMember" abstract="true" name="LVIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_APICCappedCallTransactionsForConvertibleSeniorNotes" abstract="false" name="APICCappedCallTransactionsForConvertibleSeniorNotes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_RestrictedStockUnitsAbstract" abstract="true" name="RestrictedStockUnitsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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<xs:element id="bfh_FinancingReceivableAfterAllowanceForCreditLossGross" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_PercentageOfCreditCardAndLoanReceivablesWithTemporaryHardshipsAndPermanentConcessions" abstract="false" name="PercentageOfCreditCardAndLoanReceivablesWithTemporaryHardshipsAndPermanentConcessions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_ReAgedAccountsAsPercentageOfTotalCreditCardAndLoanReceivables" abstract="false" name="ReAgedAccountsAsPercentageOfTotalCreditCardAndLoanReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntities" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CreditCardAndLoanReceivablesMember" abstract="true" name="CreditCardAndLoanReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_AmortizationTermOfCreditCardAndLoanReceivables" abstract="false" name="AmortizationTermOfCreditCardAndLoanReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
<xs:element id="bfh_OtherNonInterestIncomeAndOtherNonInterestExpensesAbstract" abstract="true" name="OtherNonInterestIncomeAndOtherNonInterestExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bfh_A2005EmployeeStockPurchasePlanMember" abstract="true" name="A2005EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_BJsWholesaleClubBJsMember" abstract="true" name="BJsWholesaleClubBJsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_NonInterestExpensesMember" abstract="true" name="NonInterestExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_InterestAndNoninterestIncomeNetOfProvisionForCreditLosses" abstract="false" name="InterestAndNoninterestIncomeNetOfProvisionForCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CreditScoreFrom600OrLessMember" abstract="true" name="CreditScoreFrom600OrLessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_OtherAssetsLineItems" abstract="true" name="OtherAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bfh_StockValueSharesIssuedNetOfTaxWithholdings" abstract="false" name="StockValueSharesIssuedNetOfTaxWithholdings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_AttainmentPercentageOfSharesGranted" abstract="false" name="AttainmentPercentageOfSharesGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_InterestOnCashAndInvestmentSecurities" abstract="false" name="InterestOnCashAndInvestmentSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_SeniorNotesDue2029Member" abstract="true" name="SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_FinancingReceivableAfterAllowanceForCreditLossNet" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_ConduitAssetBackedSecuritiesMember" abstract="true" name="ConduitAssetBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_DeferredTaxAssetsAccruedExpensesAndOther" abstract="false" name="DeferredTaxAssetsAccruedExpensesAndOther" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_SeniorNotesDue2026Member" abstract="true" name="SeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_ConsumerCreditCardFinancingReceivableThatSubsequentlyDefaultedMember" abstract="true" name="ConsumerCreditCardFinancingReceivableThatSubsequentlyDefaultedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesCarryingAmount" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_FICOScoreFrom660AndAboveMember" abstract="true" name="FICOScoreFrom660AndAboveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_CreditCardAndLoanReceivablesRestrictedForSecuritizationInvestors" abstract="false" name="CreditCardAndLoanReceivablesRestrictedForSecuritizationInvestors" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesUnamortizedDiscount" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesUnamortizedDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVest" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVest" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
<xs:element id="bfh_FinancialAsset91DaysOrGreaterPastDueMember" abstract="true" name="FinancialAsset91DaysOrGreaterPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_PurchasesOfInvestmentSecurities" abstract="false" name="PurchasesOfInvestmentSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CustomerContractsAndListsMember" abstract="true" name="CustomerContractsAndListsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_LineOfCreditAndSeniorNotesMember" abstract="true" name="LineOfCreditAndSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInYearFive" abstract="false" name="LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_SecuritizedCreditCardReceivablesInterestRequirement" abstract="false" name="SecuritizedCreditCardReceivablesInterestRequirement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
<xs:element id="bfh_InvestmentIncomeDividendFromSubsidiaries" abstract="false" name="InvestmentIncomeDividendFromSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInYearFive" abstract="false" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMaturitiesRepaymentsOfPrincipalInYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_FinancingReceivableInterestIncomeModification" abstract="false" name="FinancingReceivableInterestIncomeModification" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_DebtIssuedByConsolidatedVIEsAbstract" abstract="true" name="DebtIssuedByConsolidatedVIEsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bfh_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMember" abstract="true" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_InterchangeRevenueNetOfRetailerShareArrangements" abstract="false" name="InterchangeRevenueNetOfRetailerShareArrangements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDeposits" abstract="false" name="LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_CardAndProcessingExpenses" abstract="false" name="CardAndProcessingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_DebtInstrumentRedemptionPriceDiscountAmountForEach1000PrincipalAmount" abstract="false" name="DebtInstrumentRedemptionPriceDiscountAmountForEach1000PrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_LoyaltyVenturesIncMember" abstract="true" name="LoyaltyVenturesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInYearFour" abstract="false" name="LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsMaturitiesRepaymentsOfPrincipalInYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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<xs:element id="bfh_A4250ConvertibleSeniorNotesDue2028Member" abstract="true" name="A4250ConvertibleSeniorNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
<xs:element id="bfh_CreditScoreFrom661OrHigherMember" abstract="true" name="CreditScoreFrom661OrHigherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_IncomeFromPaymentProtectionProducts" abstract="false" name="IncomeFromPaymentProtectionProducts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
<xs:element id="bfh_RegulatoryMattersAbstract" abstract="true" name="RegulatoryMattersAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
<xs:element id="bfh_RestrictedCreditCardReceivables91DaysOrMorePastDue" abstract="false" name="RestrictedCreditCardReceivables91DaysOrMorePastDue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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<xs:element id="bfh_DebtInstrumentConvertibleTermsOfConversionDomain" abstract="true" name="DebtInstrumentConvertibleTermsOfConversionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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<xs:element id="bfh_DefinedContributionPlanMinimumAgeLimit" abstract="false" name="DefinedContributionPlanMinimumAgeLimit" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
<xs:element id="bfh_InstallmentLoanReceivablesMember" abstract="true" name="InstallmentLoanReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
<xs:element id="bfh_FICOScoreBelow660Member" abstract="true" name="FICOScoreBelow660Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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</xs:schema>

75 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/01/24  WFN Credit Co. LLC                8-K:1,9     1/31/24    2:52K                                    Bread Fin’l Holdings Inc
 1/03/24  WFN Credit Co. LLC                8-K:1,9    12/31/23    2:53K                                    Bread Fin’l Holdings Inc
12/26/23  WFN Credit Co. LLC                8-K:1,9    12/22/23    2:65K                                    Bread Fin’l Holdings Inc
12/22/23  Bread Financial Holdings, Inc.    8-K:1,2,9  12/22/23   11:1.2M                                   Broadridge Fin’l So… Inc
12/04/23  WFN Credit Co. LLC                8-K:1,9    11/30/23    3:66K                                    Bread Fin’l Holdings Inc
11/15/23  WFN Credit Co. LLC                10-D       10/31/23    3:264K                                   Bread Fin’l Holdings Inc
11/01/23  WFN Credit Co. LLC                8-K:1,9    10/31/23    4:177K                                   Bread Fin’l Holdings Inc
 9/06/23  WFN Credit Co. LLC                8-K:1,9     8/31/23    2:68K                                    Bread Fin’l Holdings Inc
 8/01/23  WFN Credit Co. LLC                8-K:1,9     7/31/23    2:54K                                    Bread Fin’l Holdings Inc
 7/07/23  WFN Credit Co. LLC                8-K:1,8,9   6/30/23    3:66K                                    Broadridge Fin’l So… Inc
 6/13/23  Bread Financial Holdings, Inc.    8-K:1,2,3,8 6/08/23   15:3M                                     Broadridge Fin’l So… Inc
 5/19/23  WFN Credit Co. LLC                8-K:1,6,8,9 5/16/23    3:857K                                   Bread Fin’l Holdings Inc
 4/05/23  WFN Credit Co. LLC                8-K:1,9     3/31/23    2:52K                                    Bread Fin’l Holdings Inc
 3/02/23  WFN Credit Co. LLC                8-K:1,9     2/28/23    3:46K                                    Bread Fin’l Holdings Inc
 2/28/23  Bread Financial Holdings, Inc.    10-K       12/31/22  135:20M
 2/02/23  WFN Credit Co. LLC                8-K:1,9     1/31/23    2:41K                                    Bread Fin’l Holdings Inc
 1/12/23  WFN Credit Co. LLC                8-K:1,9     1/11/23    2:35K                                    Bread Fin’l Holdings Inc
12/01/22  WFN Credit Co. LLC                8-K:1,9    11/30/22    2:28K                                    Bread Fin’l Holdings Inc
11/02/22  WFN Credit Co. LLC                8-K:1,9    10/31/22    2:31K                                    Bread Fin’l Holdings Inc
10/12/22  WFN Credit Co. LLC                8-K:1,9    10/07/22    2:29K                                    Bread Fin’l Holdings Inc
 9/07/22  WFN Credit Co. LLC                8-K:1,9     8/31/22    2:47K                                    Broadridge Fin’l So… Inc
 8/04/22  WFN Credit Co. LLC                8-K:1,9     7/29/22    2:34K                                    Bread Fin’l Holdings Inc
 6/15/22  WFN Credit Co. LLC                10-D        5/31/22    3:623K                                   Bread Fin’l Holdings Inc
 4/13/22  Bread Financial Holdings, Inc.    DEF 14A     5/24/22    1:9.9M                                   Donnelley … Solutions/FA
 3/24/22  Bread Financial Holdings, Inc.    8-K:5,9     3/23/22   12:439K
11/03/21  Bread Financial Holdings, Inc.    10-Q        9/30/21   96:17M
 6/24/21  WFN Credit Co. LLC                8-K:1,6,9   6/18/21    4:123K                                   Bread Fin’l Holdings Inc
 6/15/21  Bread Financial Holdings, Inc.    8-K:7,9     6/15/21   13:1.7M
 5/28/21  WFN Credit Co. LLC                8-K:1,6,9   5/25/21    3:90K                                    Bread Fin’l Holdings Inc
 2/26/21  Bread Financial Holdings, Inc.    10-K       12/31/20  135:28M
 2/18/21  Bread Financial Holdings, Inc.    8-K:5,9     2/16/21   12:463K
10/30/20  WFN Credit Co. LLC                8-K:1,9    10/27/20    2:31K                                    Bread Fin’l Holdings Inc
 9/23/20  Bread Financial Holdings, Inc.    8-K:1,2,3,9 9/17/20   13:1.3M
 6/16/20  WFN Credit Co. LLC                8-K:1,9     6/11/20    5:103K                                   Bread Fin’l Holdings Inc
 4/23/20  Bread Financial Holdings, Inc.    DEF 14A     6/09/20    1:13M
 4/29/19  Bread Financial Holdings, Inc.    8-K:1,3,5,9 4/24/19    4:318K
 2/26/19  Bread Financial Holdings, Inc.    10-K       12/31/18  116:29M
11/06/18  Bread Financial Holdings, Inc.    10-Q        9/30/18   82:19M
 8/20/18  WFN Credit Co. LLC                8-K:1,8,9   8/16/18    4:106K                                   Bread Fin’l Holdings Inc
 2/27/18  Bread Financial Holdings, Inc.    10-K       12/31/17  111:28M
11/24/17  Bread Financial Holdings, Inc.    8-K:1,9    11/22/17    2:153K
11/08/17  Bread Financial Holdings, Inc.    10-Q        9/30/17   78:17M
 8/07/17  Bread Financial Holdings, Inc.    10-Q        6/30/17   78:17M
 2/27/17  Bread Financial Holdings, Inc.    10-K       12/31/16  114:29M
12/02/16  WFN Credit Co. LLC                8-K:1,8,9  12/01/16    2:38K                                    Bread Fin’l Holdings Inc
 7/08/16  WFN Credit Co. LLC                8-K:1,9     7/06/16    6:535K                                   Bread Fin’l Holdings Inc
 6/10/16  Bread Financial Holdings, Inc.    8-K:5,9     6/07/16    3:90K
 6/05/15  Bread Financial Holdings, Inc.    8-K:1,5,9   6/03/15    2:145K
 4/20/15  Bread Financial Holdings, Inc.    DEF 14A     6/03/15    1:2.7M
 2/27/15  Bread Financial Holdings, Inc.    10-K       12/31/14  121:28M
 2/28/13  Bread Financial Holdings, Inc.    10-K       12/31/12  112:27M
 2/22/13  WFN Credit Co. LLC                8-K:1,8,9   2/20/13    3:928K                                   Bread Fin’l Holdings Inc
11/14/11  World Fin’l Network Credit Ca… Tr 8-K:1,9    11/09/11    4:97K                                    Bread Fin’l Holdings Inc
11/07/11  Bread Financial Holdings, Inc.    10-Q        9/30/11   71:13M
 6/15/11  World Fin’l Network Credit Ca… Tr 8-K:1,9     6/15/11    2:53K                                    Bread Fin’l Holdings Inc
 2/28/11  Bread Financial Holdings, Inc.    10-K       12/31/10   63:12M                                    Broadridge Fin’l So… Inc
 8/12/10  World Fin’l Network Credit Ca… Tr 8-K:1,6,9   8/09/10    4:63K                                    Donnelley … Solutions/FA
 8/09/10  Bread Financial Holdings, Inc.    10-Q        6/30/10   42:5.2M                                   Donnelley … Solutions/FA
 6/30/10  World Fin’l Network Credit Ca… Tr 8-K:1,9     6/28/10    5:76K                                    Donnelley … Solutions/FA
 5/07/10  Bread Financial Holdings, Inc.    10-Q        3/31/10   14:1.9M                                   Donnelley … Solutions/FA
 4/20/10  Bread Financial Holdings, Inc.    DEF 14A     6/08/10    1:1M                                     Donnelley … Solutions/FA
 7/31/09  World Fin’l Network Credit Ca… Tr 8-K:1,9     7/31/09    2:29K                                    Donnelley … Solutions/FA
 3/02/09  Bread Financial Holdings, Inc.    10-K       12/31/08   11:2.1M                                   Donnelley … Solutions/FA
11/07/08  Bread Financial Holdings, Inc.    10-Q        9/30/08   12:1.8M                                   Donnelley … Solutions/FA
 5/29/08  WFN Credit Co. LLC                8-K:1,6,9   5/27/08    5:74K                                    RR Donnelley
10/31/07  World Fin’l Network Credit Ca… Tr 8-K:1,9    10/26/07    3:39K                                    RR Donnelley
 6/15/07  World Fin’l Network Credit Ca… Tr 8-K:1,9     6/13/07    4:97K                                    RR Donnelley
 6/09/06  Bread Financial Holdings, Inc.    8-K:1,8,9   6/05/06    2:43K                                    Donnelley Fi… Express/FA
 4/05/05  World Fin’l Network Credit Ca… Tr 8-K:9       3/30/05    3:35K                                    RR Donnelley
 8/04/04  World Fin’l Network Credit Ca… Tr 8-K:5,7     5/19/04    3:77K                                    Toppan Merrill/FA
 8/28/03  World Fin’l Network Credit Ca… Tr 8-K:5,7     8/28/03   15:2.8M                                   Toppan Merrill/FA
 8/08/03  Bread Financial Holdings, Inc.    10-Q        6/30/03    7:502K                                   Toppan Merrill-FA
 4/22/03  WFN Credit Co. LLC                8-K:5,7     4/15/03    3:525K                                   Toppan Merrill/FA
11/20/02  World Fin’l Network Credit Ca… Tr 8-K:5,7    11/07/02   11:473K                                   Mayer Brown LLP
 8/31/01  WFN Credit Co. LLC                8-K:5,7     8/21/01   16:1.5M                                   Toppan Merrill-FA2/FA
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