In the wake of losing a loved one, there are many responsibilities that fall upon those left behind. One of the necessary tasks is to notify any financial institutions that the deceased had affiliations with. In this article, we will guide you through the process of notifying First Premier Bank about the passing of a cardholder.
Who Should Be Notified
First Premier Bank should be notified if the deceased held a credit card with them. This is important to prevent any potential fraudulent activities and to settle any remaining balances.
When to Notify
You should aim to notify First Premier Bank as soon as possible after the death of a loved one. This can help prevent any additional charges, interest accumulation, or potential identity theft.
How to Notify
To notify First Premier Bank, you can call their customer service number, which is available 24/7. The contact number can be found on the back of the credit card or on their official website. Be sure to have the cardholder's information, including the credit card number and Social Security number, to help expedite the process.
What to Expect After Notification
Upon notification, First Premier Bank will close the credit card account and provide information on any existing balance or credits. They may also require a copy of the death certificate for their records. If there is a balance due, they will explain how to settle the account.
Tips for Notification
When contacting First Premier Bank, make sure to keep a record of the time, date, and the representative you spoke with for future reference. If you're sending any documents, it's advisable to use certified mail and keep copies for your records.
Conclusion
While it's a challenging task, notifying First Premier Bank after the passing of a loved one is a crucial step. It ensures the smooth handling of their credit card account and prevents any further charges or potential identity theft. With a little preparation and understanding of the process, you can navigate this task successfully during a difficult time.
FAQ
Q: What if I can't find the credit card number?
A: If you can't find the credit card number, contact First Premier Bank and provide the deceased's full name and Social Security number. They should be able to locate the account.
Q: Will I be responsible for paying off the credit card debt?
A: Generally, the deceased's estate is responsible for settling any debts, including credit card balances. If the estate doesn't have sufficient funds, the debt may be written off. Legal advice should be sought in such situations.
Q: What happens if there's a credit balance on the account?
A: If there's a credit balance on the account, First Premier Bank will likely issue a check for the amount, payable to the estate.
