When In refinanced 18 months ago, they asked why I applied for multiple CC in the 6 month period before the refinance. I had to write a letter expalining the reason for each credit card app. I told them the cerdit apps were for bonus miles. Refinance went through without any problem.
I refinanced again this month. This time I waited till the refinance completed to apply for for CC instead of dealing with the hassle of giving them an explanation.