easy · Asset-Backed Securities

Major Bank Credit Card Master Trust Series 2026-A is in its revolving period. The three-month rolling average excess spread drops to -0.15%.

What is the immediate structural consequence?

  1. Controlled amortization begins, paying down principal in 12 equal monthly installments.
  2. The trust must promptly buy more receivables to restore the seller's interest.
  3. The series enters rapid amortization and all principal collections are paid to bondholders.
  4. The servicer is replaced by the named backup servicer since negative spread trips a servicing trigger.

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