<prompt> Human: 825 credit score, 15 years of history3 credit cards, about 30,000 limit total looking to replace a 1 cash back75k income150k savingscurrently spending about 2500month for living expenses including housingPlanning on buying in the next 3 months. Is it a bad idea to open a new credit line now that will give me some major cash back as I am going to buy appliances, etc, on Black Friday? Im not sure how much it would affect my credit score for the mortgage.  <response>: I do not see much of a drop in my credit when I open a new card.However, I do know that they say not to open any new credit within 6 months of getting a mortgage. It seems your score is high enough to withstand the drop. Do you want to risk it though?If you have a lender already, ask them. 