What to do when a Petal account holder dies

A Petal card balance is a debt that does not disappear on death; it becomes an obligation of the estate. Notify Petal by emailing support@petalcard.com or mailing Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168, with a copy of the death certificate and your name, address, relationship to the member, and contact information. Petal sends a confirmation of account closure and any next steps. The balance is then settled from estate assets through the probate creditor-claim process.

Send a copy of the member's death certificate, along with your full name, address, your relationship to the member, and your contact information, by email to support@petalcard.com or by mail to Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168. You can also reach live phone support at 1-855-697-3825, Monday through Friday 9:00 AM to 6:00 PM ET. Petal will confirm the account closure and tell you any next steps.

No. A credit card is a debt, not an asset, so there is no payable-on-death, transfer-on-death, or beneficiary designation, and the account cannot be funded to a trust. When the primary cardholder dies, the outstanding balance becomes part of the estate and is paid from estate assets through the probate creditor-claim process.

Not automatically. The balance is an unsecured debt of the estate and is presented as a claim to be paid from estate assets in the order set by state probate law. If the estate lacks enough assets to pay all valid claims, an unsecured credit-card balance may go partly or fully unpaid, but that is determined through the estate process. Petal does not publish a debt-cancellation or credit-protection program that would cancel the balance on death.

An authorized user is not the account holder and is not a co-borrower, so an authorized user is generally not personally liable for the balance. The debt belongs to the primary cardholder's estate. After the primary cardholder's death, notify Petal so the account is closed and card use stops, and stop using the card.

Petal's deceased-member process asks for a copy of the member's death certificate plus your full name, address, your relationship to the member, and your contact information. Petal then sends a confirmation of account closure and any next steps. To actually resolve or pay the balance from estate funds you should also be ready to provide proof of your authority over the estate — Letters Testamentary, Letters of Administration, or a small estate affidavit where the estate qualifies under state law — if Petal requests it.