<prompt> Human: Hello all! Im closing on my first house on June 1. I plan on buying about 4k worth of furniture for the house, which I will put on a credit card and pay off very quickly. The furniture store is having a pretty good Memorial Day sale as apparently all furniture stores seem to be required to do, which ends on May 29. I know that making large credit card purchases before closing is a big no no, so Im trying to figure out what to do. I dont want to miss the savings from the sale, but I also obviously dont want to screw up closing. My credit card statement issues on the 22nd each month, so Im wondering if maybe purchases made after the 22nd wont affect my financial situation in a way that my lender would pick up. Im assuming that my credit utilisation is reported when the statement is issued. On the other hand, my mortgage lender is the same bank that issued my credit cards, so maybe theyll be checking my current account activity rather than my last reported utilisation. Any suggestions on what I should do?Edit: Oh dear, such conflicting advice.  <response>: Negative- most mortgage brokers will tell you NO major purchases before closing. Id check with your lender on if they need to check credit again before your closing date. You dont want to screw up your home purchase over saving a few bucks on furniture youd have no place to pit it. 4th of July sales are just around the corner. 