The situation
Shared logins outlive relationships.
Households accumulate joint access: the streaming accounts, the energy supplier, the family photo library, the phone plan, sometimes the bank. Most of it was set up once by whoever was nearer the laptop.
When a household separates, that access does not separate with it. One person keeps the recovery e-mail, the other keeps the phone number, and neither of them has a complete list.
Start by making the list. It is the only step that has to come first.
In order
Pulling it apart.
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I
Inventory
Write down every account either of you can reach. Include the boring ones, they hold addresses and payment details.
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II
Split
Decide which accounts move, which close, and which stay joint for now. Write the decision down.
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III
Rotate
Change every password on anything you keep, and replace recovery e-mails and phone numbers with your own.
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IV
Rewrite the cards
A shared card is now two separate vaults. Write yours fresh, and do not keep the old one.
The list first.
Then the locks.