"The bread is cold."
춥다 is only for weather or how you feel. You should use 차다 or 차갑다 for describing the temperature of an object. That is my understanding. Similarly, there are separate words for 'hot' for weather and things - 덥다 and 뜨겁다. I would note that the tool tips the website shows for a word doesn't take into account the context, so it shows both even though only one form is acceptable in a particular sentence.
Having까 at the end changes it into a question. If it had been춥습니다 that would have been correct.
차갑다 is only feeling when i touched something cold. However 춥다 is the feeling I Feel. For example, A: Hey, It's too COLD outside, can we go inside? I think I have a fever B : Yes sure! Omg your hands are super COLD!
A's COLD is 춥다 B's COLD is 차갑다.
Why?... in translate is difrent and in answer is difrent ps. Sorry for my bad english