Should I sign up for a Discover card?

[Jaguars28fan]

Hi,

It's been so long since I got credit card offer in the mail, it was really exciting to see a discover card offer.  The only problem is I have 6 inq on TU already and I'm looking to apply for a mortgage within the next 6 months (asap really).  Should I hold out on it?  I'm applying for a USDA if that matters.  This will be my first non secured credit card in about six years

[ceejx]

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@Jaguars28fan wrote:

Hi,

It's been so long since I got credit card offer in the mail, it was really exciting to see a discover card offer.  The only problem is I have 6 inq on TU already and I'm looking to apply for a mortgage within the next 6 months (asap really).  Should I hold out on it?  I'm applying for a USDA if that matters.  This will be my first non secured credit card in about six years

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If you're looking to apply for a mortgage, DON'T GET NEW CREDIT! If that new account posts when you close, or right before you apply, the underwriters might not like that. I would wait until you close, and then app before the new mortgage posts to your credit.

[Jaguars28fan]

thats what i thought,  was just excited to see an offer! lol thanks 

[Shogun]

General rule is no apping for new credit within 6 months of a mortgage app.  Good Luck.