For various reasons we've put our pursuit of a mortgage on hold (part of our income is currently ineligable in the eyes of underwriters, this will change soon). We plan on going through the pre-approval process in the fall. In the meantime we've been putting off some non-urgent medical expenses that we were going to finance. It would be about 1k in expenses. We have the option of using CareCredit with a 0% interest promotional, but we also have a credit card offer for no interest over 18 months.
I was wondering if it's ok to pull the triger on one of these credit lines and get the work done now rather than waiting until we have a mortgage. It will ding our AAoA by a few months, but our scores are currently north of 750 (FICO). Will this siginficantly undermine our approval chances come this fall?
