When I closed on my house last June, my loan officer told me a CC I opened 3 months earlier would/could effect my rate. It probably did by .1 or .2, but on a home purchase that is a big deal.
On another note - Every approval I have had w/ Amex thus far has shown the "New Welcome Offer" or "Special Offer" verbiage on the credit card offers page.
Ch 13 Filed - October 2023
Last Payment - September 2028
Discharge - November 2028?
FICO 8 Scores as of May 2024
EQ 650 EX 625 TU 613
