Card Estate Balance Check

Live. Cardholder died? Reg Z 1026.11(c): the estate balance statement, frozen fees and APR, and the 30-day payoff window.

Send up to 5,000 credit card accounts of deceased consumers with written-policy facts, joint-accountholder status, the administrator request date, balance disclosure date, fees imposed after the request, any APR increase, the payoff date and trailing interest charged, and whether a survivor was asked to pay personally. Applies Reg Z 12 CFR 1026.11(c): reasonable written estate-settlement policies, the balance statement (30-day safe harbor), no fees or APR increases after the request (index-driven variable rates excepted), no interest when the balance is paid within 30 days of the statement, and the joint-accountholder exception. Returns the balance statement deadline, fees to refund, interest to rebate and cited findings. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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