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Or ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts.
A grace period refers to the amount of time past a given pre approved credit cards bill due date during which non-payment will not incur interest fees on the balance due, provided the total balance is paid within the grace period.
