X0202 SCHEDULE 13D/A 0001398344-16-022328 0001413260 XXXXXXXX LIVE 30 Common Stock 09/24/2026 false 0000880406 42804T205 Herzfeld Credit Income Fund, Inc.

119 Washington Ave. Suite 405 Miami Beach FL 33139

Thomas K. Morgan (305) 777-1660 119 Washington Ave. Suite 405 Miami Beach FL 33139 0001413260 N Erik M. Herzfeld, et al. PF OO N X1 71413.00 685281.00 71413.00 685281.00 756694.00 N 37.50 IN IA Common Stock Herzfeld Credit Income Fund, Inc. 119 Washington Ave. Suite 405 Miami Beach FL 33139 On July 31, 2026, the Advisory clients through the Issuer dividend reinvestment program received 2,773.4016 shares at $15.333. On August 31, 2026, the Advisory clients through the Issuer dividend reinvestment program received 2,834.8335 shares at $15.1763. The aggregate number of shares of common stock to which this Schedule 13D relates is 756,694 shares representing 37.50% of the 2,017,725 shares outstanding as reported by the issuer as of August 31, 2026. With respect to the shares of common stock owned individually, the Reporting Person beneficially owns with sole power to vote and dispose of 71,413 shares of common stock. With respect to the Accounts, the Reporting Person beneficially owns with shared power to vote and/or dispose of 686,434 shares of common stock. On July 22, 2026, through open market transactions, the Advisory clients bought 252 shares at $16.8049. On July 27, 2026, through open market transactions, the Advisory clients bought 560 shares at $16.2184. On July 28, 2026, through open market transactions, the Advisory clients sold 828 shares at $16.0319. On July 29, 2026, through open market transactions, the Advisory clients sold 21 shares at $15.88 and bought 990 shares at $15.6395. On July 30, 2026, through open market transactions, the Advisory clients sold 5 shares at $16.00. On July 31, 2026, the Advisory clients through the Issuer dividend reinvestment program received 2,773.4016 shares at $15.333. On August 4, 2026, through open market transactions, the Advisory clients sold 50 shares at $16.155. On August 5, 2026, through open market transactions, the Advisory clients sold 273 shares at $16.08 and bought 392 shares at $16.0796. On August 6, 2026, through open market transactions, the Advisory clients sold 2,242 shares at $16.30 and bought 126 shares at $15.84. On August 10, 2026, through open market transactions, the Advisory clients bought 1 share at $16.00. On August 11, 2026, through open market transactions, the Advisory clients sold 852 shares at $16.3052. On August 14, 2026, through open market transactions, the Advisory clients bought 161 shares at $16.2691. On August 18, 2026, through open market transactions, the Advisory clients sold 2,008 shares at $15.9979 and bought 499 shares at $16.10. On August 19, 2026, through open market transactions, the Advisory clients bought 772 shares at $15.9991. On August 20, 2026, through open market transactions, the Advisory clients bought 148 shares at $15.89. On August 21, 2026, through open market transactions, the Advisory clients bought 1,137 shares at $16.00. On August 24, 2026, through open market transactions, the Advisory clients bought 316 shares at $15.98. On August 25, 2026, through open market transactions, the Advisory clients bought 663 shares at $16.0421. On August 27, 2026, through open market transactions, the Advisory clients bought 398 shares at $15.99. On August 27, 2026, through open market transactions, the Advisory clients sold 788 shares at $16.21. On August 31, 2026, the Advisory clients through the Issuer dividend reinvestment program received 2,834.8335 shares at $15.1763. On September 3, 2026, through open market transactions, the Advisory clients bought 136 shares at $15.94. On September 4, 2026, through open market transactions, the Advisory clients sold 115 shares at $16.47. On September 8, 2026, through open market transactions, the Advisory clients sold 2,813 shares at $16.4985 and bought 2,519 shares at $16.2495. On September 11, 2026, through open market transactions, the Advisory clients sold 118 shares at $16.31 and bought 18 shares at $16.13. On September 14, 2026, through open market transactions, the Advisory clients sold 1,036 shares at $16.2427. On September 15, 2026, through open market transactions, the Advisory clients sold 128 shares at $16.27. On September 16, 2026, through open market transactions, the Advisory clients sold 1,835 shares at $15.7545 and bought 3 shares at $15.75. On September 17, 2026, through open market transactions, the Advisory clients sold 4,488 shares at $15.8091. On September 18, 2026, through open market transactions, the Advisory clients sold 2,947 shares at $15.7225. On September 21, 2026, through open market transactions, the Advisory clients sold 6,305 shares at $15.7502. On September 22, 2026, through open market transactions, the Advisory clients sold 5,802 shares at $15.7911. On September 23, 2026, through open market transactions, the Advisory clients sold 3,834 shares at $15.7739. On September 24, 2026, through open market transactions, the Advisory clients sold 2,600 shares at $15.7358. On September 25, 2026, through open market transactions, the Advisory clients sold 1,153 shares at $15.73. 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. Not applicable. Erik M. Herzfeld, et al. /s/ Erik M. Herzfeld 09/28/2026