Does Opening A New Credit Card Hurt Credit Score If Buying A House In Two Years?

[AdPray123]

Hi,

I would like to buy a home in two years. I am considering opening a credit card this week. Will this have any affect on my score in two years with regards to credit? I hope that makes sense. I know if I got a new CC now and was buying now that could hurt but do not know if the future purchase would be affected. Thanks.

[Anonymous]

No, it will have zero impact.  You could open up multiple accounts now and those new accounts and inquiries would lose any negative impact they have on your score by the time 2 years goes by.

[SouthJamaica]

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@AdPray123 wrote:

Hi,

I would like to buy a home in two years. I am considering opening a credit card this week. Will this have any affect on my score in two years with regards to credit? I hope that makes sense. I know if I got a new CC now and was buying now that could hurt but do not know if the future purchase would be affected. Thanks.

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Only in the minor effect it would have on shortening your average age of accounts. But the positives from adding it will probably outweigh that