[SCHEDULE 13D/A] Herzfeld Credit Income Fund, Inc Amended Major Shareholder Report

Rhea-AI Filing Summary

Herzfeld Credit Income Fund, Inc. received an amended Schedule 13D from Thomas J. Herzfeld, et al., updating his beneficial ownership. The filing reports beneficial ownership of 844,762 common shares, or 42.17% of the issuer’s 2,002,996 shares outstanding as of February 23, 2025.

Herzfeld has sole voting and dispositive power over 185,631 shares and shared voting and/or dispositive power over 659,131 shares held in advisory accounts. On February 18, 2026, advisory clients sold 1,835 shares in open-market transactions at $17.3134 per share.

The issuer effected a 10‑to‑1 reverse stock split effective February 6, 2026, and this amendment presents ownership on a post‑split basis, including additional shares from rounding up fractional positions. No individual advisory account holds more than 5% of the fund’s common shares.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 34)

Herzfeld Credit Income Fund, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

42804T205

(CUSIP Number)

Thomas K. Morgan
119 Washington Ave., Suite 504
Miami Beach, FL, 33139
(305) 777-1660

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

02/23/2026

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 42804T205

1

Name of reporting person

Thomas J. Herzfeld, et al.

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

PF, OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 185,631.00
8	Shared Voting Power 659,131.00
9	Sole Dispositive Power 185,631.00
10	Shared Dispositive Power 659,131.00

11

Aggregate amount beneficially owned by each reporting person

844,762.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

42.17 %

14

Type of Reporting Person (See Instructions)

IN, IA

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Common Stock
(b)	Name of Issuer: Herzfeld Credit Income Fund, Inc.
(c)	Address of Issuer's Principal Executive Offices: 119 Washington Ave., Suite 504, Miami Beach, FLORIDA , 33139.
Item 5.	Interest in Securities of the Issuer
(a)	The aggregate number of shares of common stock to which this Schedule 13D relates is 844,762 shares representing 42.17% of the 2,002,996 shares outstanding as reported by the issuer as of February 23, 2025.
(b)	With respect to the shares of common stock owned individually, the Reporting Person beneficially owns with sole power to vote and dispose of 185,631 shares of common stock. With respect to the Accounts, the Reporting Person beneficially owns with shared power to vote and/or dispose of 659,131 shares of common stock.
(c)	On February 18, 2026 through open market transactions, the Advisory clients sold 1,835 shares at $17.3134. Effective February 6, 2026 at 5:00pm, the issuer effected a 10-to-1 reverse stock split. This amendment reports the relevant information on a post-split basis and reflects the ownership of additional shares due to the rounding up of fractional shares in connection with the reverse stock split.
(d)	The owner of each of the Accounts individually has the right to receive and the power to direct the receipt of dividends from, or proceeds from the sale of, the shares of common stock. To date no owner of an Account holds more than 5% of the Issuer's common shares.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Thomas J. Herzfeld, et al.

Signature:	/s/ Thomas J. Herzfeld
Name/Title:	Thomas J. Herzfeld, Chairman
Date:	02/25/2026