<prompt> Human: My girlfriend and I are planning on buying a house next April when our apartment lease runs out and we need some advice. I was thinking about getting another credit card, I currently have 2 both in good standing, and was wondering if doing so would negatively effect our future mortgage rate etc.? Would a new line of credit that is properly maintained positively influence our mortgage rate, etc.? What about buying a new car?x200B;Thank you all for your help in advance  <response>: Completely terrible move to buy property or do any investing with a girlfriend boyfriend, etc. If and when you break up, unwinding your respective rights to the house will be difficult and traumatic. Married people who divorce have clear legal ground rules for property division; unmarried people have nothing of the kind, so it can become a brutal and destructive food fight. Do not do this.If you buy the place ALONE, as a SOLO OWNER with your girlfriend paying you rent to live there, go ahead and get a second credit card, but use it sparingly. The additional credit at your disposal helps your credit profile. Do not buy a new car; the additional fixed monthly obligation hurts your mortgage eligibility. 