Hello everyone! First off, thank you for the very helpful community I've found here. Over the past week & a half, I've been devouring information on travel hacking from various sites and been absolutely fascinated by the possibilities! My wife & I love to travel, and would especially love to travel for free/cheap. However, before I jump into the pool I have a few questions and concerns I'm hoping someone can help me with. 1. I just checked my credit score (Credit Karma) and it was 793, so no problem there. I've about $70,000 in current available credit but am using less than 1%. From what I've read, I can definitely take some hits score-wise and apply for a few cards. 2. However, I do anticipate purchasing a home some time in the next two years. I've seen several experts suggest NOT doing this if you are planning a major purchase within two years. While that makes sense and I wouldn't want to go crazy and start churning cards every few months, would it be relatively safe to get a few new cards? 3. If I did apply for a few cards, would it be advisable to lower the limits on the lesser used cards so my available credit doesn't go sky high? I think that's one of the primary concerns with attempting to get a home loan. 4. If that's a completely horrible idea, what about opening a few in my wife's name? Thank you for helping out a newbie!