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Credit card points may count as an asset in divorce

Dividing property and assets in a divorce can be a difficult process. Typically, one thinks of insurance policies, retirement accounts, investment portfolios and real estate as property to be divided up in the divorce proceedings. One asset people may forget about in New Jersey is all of those accumulated credit card points.

Credit card points have value and can therefore be considered marital property. How the points are valued or divided up can vary. If a person had a credit card before getting married and can show that the points accumulated were accumulated by only one person, those points may not need to be included as marital property. If they need to have a value assigned to them, one may wish to base the value on that for which they are redeemable. A card that accepts 25,000 points for $250 worth of merchandise would mean that each point is worth one penny.

In some instances, people may want to divide points. This may be particularly true where there is a large balance of points on a jointly held card. Some cards allow one to divide points among card holders, but some do not. In the event that the points can't be split, a dollar amount can be assigned to the points going to one person, and another asset of similar value can go to the other person.

Property distribution in a divorce can be complicated. Consulting with an experienced family law attorney in New Jersey could prove to be beneficial in such a circumstance. A knowledgeable lawyer can review one's assets and property, and help one to arrive at an equitable distribution that is fair to all parties.

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