A letter from Bank, Statements, Credit Cards

[Partita 17]

Hello VJ Members,

Even though my filing window opens in 3 months, I am starting to gather all the necessary documents, and I need some advice.

1) Our joint account is linked to my husband's primary account which he had long before our marriage. Should we get some kind of statement to show that our Joint account and his primary account are linked? (we transfer money all the time between the accounts).

- Once I downloaded our 2 years joint account statements - the beginning and ending balance looks really small on the 1st page ( like $55/less or more) but, if to see the transaction page - there are a lot of deposits and we basically spent everything by the end of each statement. Would they look into transaction page, or would they just see the balance of the first page and think that that is a very small sum?

2) We have a lot of credit cards where we are authorized users of each others card. Should we just send copies of credit cards that show the same number, or should we get some kind of letter from the bank?

Also, 2 cards were open really recently (this summer), one card a year ago, and another one before our marriage. Should we send all of them?

- We have debts on these cards, and most of them are not payed off yet. Should we send the statements? I hope it is not too bad that we have debts...

Thank you for reading, and I would appreciate any advice.

Best,

Partita

[sorchaine 10]

The bank statements I sent was one for every four months (so quarterly basically). We had lots of deposits and withdrawals. For the credit cards that we had, most had only been open for a year or less. I scanned each of our cards, side by side on a printer showing that we both have a card, same credit card company with each of our names on them (showing we both are users on the accounts), then I printed off the most recent statement for each card, most are in just my husband's name but it shows that there are two cards on the account (or at least transactions made from both cards). All our cards at the time were pretty much maxed out, so I don't think having debt on the cards matters at all, if anything it would probably show that they're not just for show, but are actually used. The reason I did the statements with the credit cards was because not all of our cards have the same number on his and mine, so it would show better that they are actually linked cards (authorized users).

[Partita 17]

Dear Sorchaine,

Thanks so much for your reply!