My wife and i only recently jointed our bank accounts together this past April. She's the immigrant spouse (petitioner for I-751). By the time we submit her ROC, we would've only had 6 months of joint bank statements. In addition, i also only recently added her as "authorized user" on my credit in in March of this year...the CC statements only show my name though...but we use my CC to pay nearly EVERYTHING just to get the rewards points!
I'm deliberating how to go about doing this as far as what i'm going to submit. I've been told that i'll be ok with just the recent 6 months of bank statements because everything else that i have is pretty strong like: co-deed on my condo, co-named on my condo HOA ledger (6months of statements of paying our HOA), co-homeowners insurance for the condo, co-registered and co-titled on my car, my company 401k and my wife's company 401k has each others names as beneficiary, wife listed as beneficiary to my IRA, me listed on my wife's investing account with Robinhood, i have her on my company group life insurance and company group Accidental Death and Dismemberment beneficiary, she is listed on my company health and dental insurance, i'll be sending in a record our health and dental claims going back two years, 2 years of joint tax transcripts, we'll send in 3 months of our energy bill (NOT jointed, only has us both as mailing correspondence), 2 affidavits from my uncle and a friend of hers who is a naturalized US citizen, and then a whole lot of pictures because we went on a whole lot of trips which includes pics, hotel and airbnb bookings, flight bookings and venues. We're both listed as emergency contacts on each other's work portals and we're both listed as emergency contacts on our healthcare provider charts. and i'm sure there's more stuff.
Given that info, my big thing is, i'm concerned about showing "co-mingling" of finances for the full 2 years that we've been married...and this falls back on our bank accounts only being joint since April of this year.
So please help me decide. I'm thinking of going one of two routes:
1. should i just go with the 6 months of joint bank statements along with all the other stuff i just listed?
or
2. in addition to everything in option 1, i was thinking of adding a letter of explanation why we didnt "co-mingle" our banks. Even though those weren't JOINT until 6 months ago, we did "co-mingle" to a degree. In the first year that she's been here, i pretty much paid all the expenses and bills and just kept a seperate account for her to keep her money that that she brought from abroad. i pretty much just told her to save that money until she got settled with a job (which she has now and actually makes more money than me now). It was our intention to get our accounts JOINTED sooner than we did, but we just didnt get around to doing it until this April. So i was thinking of adding bank statements from her bank account (before we jointed them together) showing where she did voluntarily pay for groceries here and there from Walmart and from Harris Teeter (local grocery chain). She also did help pay for one of our trips entirely (flight, hotel, venue) when we went to Disney from the money she was saving (knowing that she would be working soon). She also, on occasion help pay my credit card that we both use that's in my name.
Please help me decide. Choose one of the two and why you think so. Thanks