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Applying for a new credit card

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Applying for a new credit card

Hi,

 

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?  

 

Thanks for your help!

 

 

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