Me and my wife are going through a refinance on our home. She was originally the only one of the loan, for the refi I will be added. I asked the question about applying for CC's for bonuses to a prominent travel blogger and was told I should be fine after closing.

My question is how can this be true? I had read that people waited years even after a refi before applying for cards. If anyone had an idea as to why it wouldn't affect me as much I appreciate the input.

Trying to cast a wider net here for more responses on the issue as opposed to asking him directly in case anyone was thinking about that.