What happens to your Petal accounts when you die
Covers 1 lending accounts — all transfer through probate
Brand change
Petal's consumer credit-card business was acquired by Empower Finance, Inc. — Empower announced a definitive agreement to acquire Petal on April 9, 2024 — and has since been folded into Empower, which now operates the portfolio under the Tilt Card, Inc. brand (petalcard.com footer: "© 2025 Tilt Card, Inc."; Tilt Card, Inc. NMLS #2295169). New Petal card applications are closed and Petal cards are being replaced by Tilt-branded credit-builder cards, but existing Petal accounts continue to be serviced: WebBank remains the issuer and Petal / Tilt Card, Inc. remains the servicer, with a live deceased-cardholder process. Heirs settling a legacy Petal balance should contact the servicer at support@petalcard.com or 1-855-697-3825. No separate successor institution record — Tilt Card, Inc. is the same servicing entity rebranded, and WebBank (the issuer) has its own listing. Effective April 2024.
The procedures below reflect Petal's accounts. Account servicing may transfer as the change takes effect.
Petal Customer Support
Documents by mail: Tilt Card, Inc., 9169 W State St., PMB 499, Garden City, ID 83714. Deceased-member notices: Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168.
Petal Customer Support
Documents by mail: Tilt Card, Inc., 9169 W State St., PMB 499, Garden City, ID 83714. Deceased-member notices: Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168.
Petal Customer Support (Deceased Member)
Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168
Petal balances are a debt, not an asset. There is nothing to designate a beneficiary on and nothing to retitle into a trust: what the account holder owes at death becomes a claim against the estate, paid from estate assets before anything is distributed to heirs.
Estate planning around Petal means knowing the balance exists. An executor pays the estate's debts before its heirs, so an unlisted balance is what stalls an estate late — after distributions have already gone out. Relatives do not personally inherit the debt; a co-signer or joint account holder remains obligated on their own account.
When the account holder dies, the executor notifies Petal, obtains the balance owed as of the date of death, and resolves it through the estate's creditor process. The steps and required documents are on the death claim page.
Petal accounts carry no beneficiary designation, because there is nothing to leave: the balance is owed, not held. It is settled by the estate as a creditor claim rather than passed to anyone.
Why trust accounts are not available
Petal balances cannot be moved into a trust. Trust funding retitles what someone OWNS; a debt stays with the estate, which pays it before the trust or the heirs receive anything.
Sources
Data sourced from Petal primary sources (4 pages reviewed). How we research.
Petal Customer Support
Documents by mail: Tilt Card, Inc., 9169 W State St., PMB 499, Garden City, ID 83714. Deceased-member notices: Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168.
Petal Customer Support
Documents by mail: Tilt Card, Inc., 9169 W State St., PMB 499, Garden City, ID 83714. Deceased-member notices: Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168.
Petal Customer Support (Deceased Member)
Petal Card Inc., MSC – 166931, P.O. Box 105168, Atlanta, GA 30348-5168
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