The recent inquiries and new credit will ding your score for a year or so. As to which card "reports" it does not matter. The formula is mathmatical, not product oriented.Best if possible to go into a no new credit mode for a year or more before apping for a mortage. As far as maximizing your score, I wouldn't be too concerned on how many credit cards show a balance on your report at this time. When you get ready to purchase your house, then focus on only having one or two cc's report a couple of months or so before you app so your score will be nearer the top.