I am new to the boards. I have a credit score of 804 and my husband's is 745. We have 4 joint accounts and I have 2 personal accounts. 2 of the 4 joint accounts have about a 50% balance on them and the other 2 are paid off every month. My 2 personal ones don't have any balance on them. The last inquiry we had was on my husband's credit for an auto loan back in Sept. of 2009. I am thinking of applying for a Kohl's credit card just in my name and was wondering how it would affect my credit score. We are also looking to buy a new house in the next few months is it a bad idea to apply for this card now?