# EDGAR Filing Document

**Accession Number:** 0000880406
**File Stem:** 0001398344-26-002660
**Filing Date:** 2026-2
**Character Count:** 9906
**Document Hash:** c1983a5127bb9805570d5287583a50b4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-26-002660.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001398344-26-002660

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13D/A

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Herzfeld Credit Income Fund, Inc
- **CENTRAL INDEX KEY:** 0000880406

**ORGANIZATION NAME:**
- **EIN:** 650396889
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-86371
- **FILM NUMBER:** 26617081

**BUSINESS ADDRESS:**
- **STREET 1:** 119 WASHINGTON AVENUE, SUITE 504
- **CITY:** MIAMI BEACH
- **STATE:** FL
- **ZIP:** 33139
- **BUSINESS PHONE:** 305-777-1660

**MAIL ADDRESS:**
- **STREET 1:** 119 WASHINGTON AVENUE, SUITE 504
- **CITY:** MIAMI BEACH
- **STATE:** FL
- **ZIP:** 33139

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HERZFELD CARIBBEAN BASIN FUND INC
- **DATE OF NAME CHANGE:** 19930622

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIRST CUBA FUND INC
- **DATE OF NAME CHANGE:** 19920929
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Herzfeld Erik Mervin
- **CENTRAL INDEX KEY:** 0001413260

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A

**MAIL ADDRESS:**
- **STREET 1:** HERZFELD CREDIT INCOME FUND, INC.
- **STREET 2:** 119 WASHINGTON AVE. SUITE 504
- **CITY:** MIAMI BEACH
- **STATE:** FL

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Herzfeld Erik Marvin
- **DATE OF NAME CHANGE:** 20121217

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HERZFELD ERIK MERVIN
- **DATE OF NAME CHANGE:** 20070925

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HERZFELD ERIK MARVIN
- **DATE OF NAME CHANGE:** 20070924

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13D

### Under the Securities Exchange Act of 1934

**(Amendment No. 26)**

**Herzfeld Credit Income Fund, Inc.**

*(Name of Issuer)*

**Common Stock**

*(Title of Class of Securities)*

**42804T106**

*(CUSIP Number)*

**Thomas K. Morgan**<br>119 Washington Ave.<br>Suite 504<br>Miami Beach FL 33139<br>(305) 777-1660

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

**01/07/2026**

*(Date of Event Which Requires Filing of this Statement)*

| **CUSIP No.** | **42804T106** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**Erik M. Herzfeld, et al.** | Name of reporting person<br>**Erik M. Herzfeld, et al.** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**PF** | Source of funds (See Instructions)<br>**PF** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**X1** | Citizenship or place of organization<br>**X1** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**714113.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**6667387.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**714113.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**6667387.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**7381500.00** | Aggregate amount beneficially owned by each reporting person<br>**7381500.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**37.89%** | Percent of class represented by amount in Row (11)<br>**37.89%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**IN** | Type of Reporting Person (See Instructions)<br>**IN** | |

---

**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, FL, 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 7,381,500 shares representing 37.89% of the 19,483,671 shares outstanding as reported by the issuer as of December 30, 2025. (1)

1. The amount reported represents the actual number of shares, which differs from the estimate reported in a prior amendment to this Schedule 13D (the "Prior Amendment"), received by the reporting person and the Advisory clients in connection with the cash or stock distribution announced on December 30, 2025. The ratio of cash and stock received by the reporting person was based on such person's election as well as elections of other stockholders, subject to the pro-rata limitation. Further, the amount reported reflects additional transactions that have occurred in the Accounts subsequent to the filing of the Prior Amendment. Effective February 6, 2026 at 5:00pm, the issuer effected a 10-to-1 reverse stock split. The number of shares reported on this amendment are reported on a pre-split basis to accord with the Prior Amendment. All future amendments will be reported exclusively on a post-split basis.

**(b)**
With respect to the shares of common stock owned individually, the Reporting Person beneficially owns with sole power to vote and dispose of 714,113 shares of common stock. With respect to the Accounts, the Reporting Person beneficially owns with shared power to vote and/or dispose of 6,667,387 shares of common stock.

**(c)**
On December 24, 2025 through open market transactions, the Advisory clients sold 8,308 shares at $2.60.  On December 30, 2025 through open market transactions, the Advisory clients sold 42,346 shares at $2.7619.   On January 2, 2026 through open market transactions, the Advisory clients sold 11,237 shares at $2.2117.  On January 5, 2026 through open market transactions, the Advisory clients sold 38,866 shares at $2.0806. On January 7, 2026 through open market transactions, the Advisory clients sold 22,617 shares at $1.9612. On January 15, 2026, through open market transactions, the Advisory clients sold 777 shares at $1.949.  On January 20, 2026, through open market transactions, the Advisory clients sold 1,018 shares at $1.91 and bought 497 shares at $1.918. On January 21, 2026, through open market transactions, the Advisory clients bought 13,040 shares at $1.9794. On January 22, 2026, through open market transactions, the Advisory clients sold 770 shares at $1.94 and bought 18,023 shares at $1.9396. On January 23, 2026, through open market transactions, the Advisory clients bought 13,609 shares at $1.9296. On January 26, 2026, through open market transactions, the Advisory clients bought 13,435 shares at $1.9191. On January 27, 2026, through open market transactions, the Advisory clients bought 4,229 shares at $1.95. On January 28, 2026, through open market transactions, the Advisory clients sold 86,573 shares at $1.9312 and bought 86,573 shares at $1.9309. On January 29, 2026, through open market transactions, the Advisory clients sold 815 shares at $1.92 and bought 14,982 shares at $1.9646. On January 30, 2026, through open market transactions, the Advisory clients bought 7,705 shares at $1.978. On February 2, 2026, through open market transactions, the Advisory clients bought 2,153 shares at $1.938. On February 3, 2026, through open market transactions, the Advisory clients sold 1,384 shares at $1.905. On February 4, 2026, through open market transactions, the Advisory clients sold 8,994 shares at $1.8331.  On February 5, 2026, through open market transactions, the Advisory clients sold 8,730 shares at $1.8704.

On December 30, 2025, the Fund paid a distribution, in cash and shares of common stock, of $0.6867 per share owned by each stockholder as of the payment date of December 30, 2025 (the "December 2025 Distribution"). The December 2025 Distribution was paid in cash or shares of the Fund's common stock at the election of stockholders with the total amount of cash distributed to all stockholders limited to 20% of the total distribution to be paid, excluding any cash paid for fractional shares. The remainder of the December 2025 Distribution (approx. 80%) was paid in the form of shares of the Fund's common stock. The exact distribution of cash and stock to any given stockholder was dependent upon their election as well as elections of other stockholders, subject to the pro-rata limitation. The price per share used to calculate the number of shares to be issued in lieu of cash was $2.5799, which was determined using the volume weighted average price per share of the Fund on December 12, 15 and 16, 2025. Mr. E. Herzfeld received 120,584 shares of common stock of the Fund in connection with the December 2025 Distribution.  The Advisory clients received 1,141,754 shares of common stock of the Fund in connection with the December 2025 Distribution.

### 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.

**Reporting Person:** Erik M. Herzfeld, et al.

**Signature:** /s/ Erik M. Herzfeld

**Name/Title:** Erik M. Herzfeld, President

**Date:** 02/10/2026