Meggie,
So sorry you're being forced to go through this. It makes me so angry when good people are put through the mill like this.
If you don't report the credit card, I have a very strong feeling that you'll regret it. That's a very dangerous situation. Remember all the things you can do with a credit card. Hoping you can find the strength to protect yourself and your family there.
Hoping too you can get some rest
Hugs,
GiveLove