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That's very good advice, Catherine. Thank you loads.

I did check my credit score & it, unfortunately it has fallen about 8 points. Not to give out too much information on the net, I would just say that my score is in the lower 700s. Even my wife's score has dropped by about 12 points in the past 3 months. Her score is in the upper 600s, though.
Now, the credit card offer is in her name... so it will not impact my credit rating at all if she applies for the same. Moreover, I am the primary mortgage borrower & she is secondary on the application. So, Going by your posts, I don't think its a bid deal applying for this new card.

Well... Thank you very much all, who have replied to my questions. Thanks to you, I am a more informed person, now.

- Himanshu
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