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I'm currently in the process of buying a house, so I don't dare go on any credit card sites right now! But on settlement day, after the mortgage papers are signed, there are a few credit cards I want to apply for. I'm looking at the Citi Dividend Platinum Select, Chase Amazon, and maybe another Amex for backdating.
My question is, will all the inquiries I've gotten the past couple weeks affect my CC apps? My scores should still be high enough that I'll be able to qualify for all the cards, but I'm just not sure if having several inquiries within a couple weeks will hurt my chances of getting approved. Anyone ever get approvals after house shopping?
Also, does anyone know just how soon after I sign the mortgage papers would it be safe to start apping? Do banks do a soft pull after the mortgage is signed? I wouldn't think so, but I'm so paranoid about getting the mortgage right now!
Thanks!
Congrats on the house.
I closed in March, had to buy a car the next week, so had quite a few inquires before even getting to new CC's, app'd 3 this week and was approved for all 3, going to garden now.
@dave0311 wrote:I'm currently in the process of buying a house, so I don't dare go on any credit card sites right now! But on settlement day, after the mortgage papers are signed, there are a few credit cards I want to apply for. I'm looking at the Citi Dividend Platinum Select, Chase Amazon, and maybe another Amex for backdating.
My question is, will all the inquiries I've gotten the past couple weeks affect my CC apps? My scores should still be high enough that I'll be able to qualify for all the cards, but I'm just not sure if having several inquiries within a couple weeks will hurt my chances of getting approved. Anyone ever get approvals after house shopping?
Also, does anyone know just how soon after I sign the mortgage papers would it be safe to start apping? Do banks do a soft pull after the mortgage is signed? I wouldn't think so, but I'm so paranoid about getting the mortgage right now!
Thanks!
Congrats on a successful home process and once those papers are signed the bank can SP all they want but they don't so don't be paranoid you will be fine.
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Congrat to your new home...That's what im going to do when i first close my house ......
Just a warning, not all lenders do it, but mine did, they did a soft pull the day the mortgage funded but did warn me ahead of time that they would be doing it and not to apply for any new credit until it was completely done and funded.