This seems like what I need to do, but I did not set it up this way at the start and now tax prep has become a nightmare. We have 4 cardholders on one Chase CC acct. Payments only appear to be applied to the main cardholders acct. So we have "overpaid" that account and have outstanding balances on the other accounts. Could I make a new parent account and make these 4 cc accts sub-accounts at this point or will this make a gigantic mess?