Bread Financial (BFH) reported Monday 30-day-plus delinquencies of $876 million and a delinquency rate of 5.35% as of July 31, down from $931 million and 5.8% a year earlier.

End-of-period credit card and other loans for the month ended July 31 were $18.54 billion, up from $17.59 billion a year earlier, the company said.

Shares of the company were up 1.4% in premarket activity Monday.