Can I use credit cards after I sign loan docs?
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On Friday the 19th I sign mortgage loan docs. Can I start using credit cards even if loan has not been funded. We are schedule to fund on Monday and record on Tuesday.
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You need to explain more what your talking about. A mortgage loan and a credit card are two completely separate things.
Careful, careful.
A loan company may do another quick credit check right before the final approval.
But…
A credit card reports to the credit bureaus on your credit card closing date (the date they send you out the statement). Look at your credit card statement and check the closing date.
I honestly don’t think they call the credit card companies directly to see if you have run up balances….
Why in the hell would you jeopardize or even take the chance of jeopardizing your home loan just so you can go out and buy “stuff”