Originally Posted by
kwilbz
I recently got approved for a mortgage after having 5 new sign ups 3 months earlier and a few more in the year prior. All they did was ask me to document what the most recent ones each were for and did I get approved - I simply wrote that they were for the sign up bonus of frequent flyer points and I was approved. Never got asked another question after that. Between my husband and I we probably have 20 open cards.
Score also in the 800s and more than enough income to qualify for the amount we wanted. If that's the case for you I wouldn't worry.
Originally Posted by
aschuett
Just another datapoint, by wife and I also purchased a house after doing some CC apps. We held off the last 6 months or so prior to purchase, but before that had probably each done 4-6 each. We were never even asked about our high number of hard pulls.
I also had a similar experience to the above. We both had over 800 Fico's and I had just applied for a CC 3-4 weeks before applying for loan.
But the best advise is talk to the lender, in my case they didn't care and I still applied for one more before closing(I asked them and they said np) because of my score and long history. YMMV depending on lender mine was a CU but a Bank maybe different?