<prompt> Human: Bank of America underwriter did not approve my33M mortgage loan due to lack of enough lines of credit, despite the fact that my credit score is 750, I have a low debt to income ratio, I am able to make 20 down payment. I have sufficient 3years credit depth on my credit card and a 3 years auto loan they said. However they would have ideally wanted a third line of credit on top of that.Seeking your advice on what to do at this point. Here are my options as I see it:1. Obtain a second credit card, use it for a year and re apply for mortgage2. Approach another lender, but I suspect they may say the same thing. 3. Try to follow up with Bank of America to see if there are any alternative solutionsFrankly speaking I feel this is a broken system, if someone like me with a stable job, enough money for down payment and a good credit score is refused a home loan simply based on the fact that I have one credit card instead of two.Anyways, appreciate some expert opinions on this. Thanks!Ps. been a silent follower of the personalfinance group and learnt a lot from it. hoping responses to this post will help others in future!  <response>: Shop around if youre looking to buy now. If you dont get approved, open another CC and continue to build your history. 