How to Track Spousal Credit Card Debt
- 1). Record every purchase you and your spouse make on both your individual and your joint credit cards. You can do this in a notebook or on a spreadsheet on your computer. Hang on to receipts from credit card purchases.
- 2). Review your credit card statements every month. Set aside a time when you and your spouse sit down together and go over the total balance of each card and decide how much you will pay on the cards. Compare what is on the statements to the receipts you've collected throughout the month. Ask about any unaccounted for charges.
- 3). Get your spouse to request his credit report from one of the three agencies and request your own. Scan the reports to make sure there are no new or suspicious credit card accounts. Make sure the balance on the reports matches the balances on the cards.
- 4). Sign up for credit monitoring for your spouse and yourself. For a fee, a company will review your credit reports and alert you to any new accounts opened.
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