Shero,
My wife had an emotional affair--discovered it when the OM sent an email to her hinting that it would be nice to sleep together, but sent it to our "family's" email.
I'm in business to business sales, but don't do super big client stuff, but know people who do. The drinks, dinners, etc. are part of the landscape. The male-female aspect is a challenge and it is tough to walk a fine line. I don't see red flags with the sales part too much.
BUT, what is very troubling for me is the secrecy of the phone and the credit card. A phone and credit card statement should be and need to be open between a husband and wife.
Now I get that there may be some things you don't want your spouse to see. If he buys you something for your birthday that would ruin the surprise or his emails to his guy buddies.
But if you show concern about him and a relationship with another woman, he should be willing to show you everything immediately with no deletions, no changes, etc. You should be able to see his credit card statements. He says their private... Bullshit! He gave up private discussions with women when he let you slide that ring on his finger and said, "I do". That's the deal.
Private discussions with men, yes. He should have some leeway regarding doing things where he is not held to account, like staying out late once in a while with guys, but not with women.
My wife and I went round and round for 8 fricking months with her password protected phone. She said it was so the children wouldn't mess with it. I said, "fine, tell me the password and I won't tell them!" Then blameshift and gaslighting -- he's just a friend, I need room to be myself, you did this to me and that to me years ago which put me in the state I am today.
The question is not that you deserve and need to have access to these records, but how to spring it so that info is not lost in the process and he goes deeper underground IF there is an affair. The goal is twofold in my mind:
1) Make an Emotional Affair very difficult to conceal and continue
2) Find out information about the affair in the past, if there is one.
For me, I was unable to capture the data. Perhaps you will not be able to as well. But the past is the past and I'm concerned about the now. If the "now" is taken care of, then the future will fall into place.
If your husband is a good salesperson, he would not have an affair with 80% of his revenue stream. That is a suicide pact for the both of them in their jobs. An EA however, now that I can see. It is much easier to fool oneself that it is nothing and that they are doing nothing wrong. I can see that they believe they can control it and have fun with it. But, can they when it's one am and both have had too much to drink? That is what you want to protect against.
I recommend "NOT Just Friends" by Shirley Glass. Read it. Consider having your husband read it. Didn't work in my case shaking her out of the fog, but it might have. I did help me get a handle on the EA thing and SI did too.
For me, it finally took a marriage councilor saying, "you can have him, or your husband, but not both. DELETE HIM, COMPLETELY.". She chose me (with great reluctance). But, you have your family's livelihood at stake with this OW. My thoughts and prayers are with you!