Taking over the account
If you are considering taking over the account of a deceased Card Member, please contact us to determine if you are eligible to assume liability of the account. If more than one person is eligible to take over the account, requests will be handled on a first-come, first-served basis. Please note that no person is obligated to take over the account, as the Estate or the Business of the deceased Card Member bears ultimate responsibility for the account.
To be eligible to become the new Basic Card Member, the account must meet the following requirements:
• The Card must be eligible for transfer.
• The account cannot be closed for more than 1 year.
• The account cannot be 30 days or more past due.
• The new Basic Card Member must pass a credit review.
For Personal Accounts, any individual under the age of 21 must apply in writing. All applicants must provide their total annual income*. Please note that the person taking over the account will be responsible for any existing balance on the account at the time of the account takeover and will also be responsible for future charges.
*Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it.
For Small Business accounts, only an officer of the Business may assume liability of the account.
Once you have assumed liability of the account, you may reinstate Membership Rewards® points associated with the account.
For more information, please see Transferring Membership Rewards.
When you are ready, please call us at 1-800-266-7064 Monday through Friday from 8:00 am to 10:00 pm EST.
For Corporate Cards, please contact your company's Program Administrator.