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Congrats on the approvals and the great starting limit (not that standard $500 ) with USB!
Congrats OP!
Those are very nice cards and very good SL too!
I think USB used your EQ with a better profile and higher score than your EX which BoA most likely used which explains the result.
Congrats OP.
Congrats on the approvals.
Depending on the institution you are looking to apply at for your mortgage and what type of mortgage(conventional/fha/ect..) 1 year of no applications or negatives will get you a desktop underwriter approval as long as you are debt-to-income friendly and FICO 580 is lowest middle score for any type of desktop underwriter approval. 720 FICO middle mortgage score will get you the best rates and best down payment terms.
From my experience in tracking my FICO scores since last August, the FICO mortgage is the most sensitive to drops from new accounts/inquiries/ect.. so if you sit back one year before applying for a mortgage with your current profile and scores that I see, you should be golden for the best terms.
Take care!