<prompt> Human: So long story short, I opened a credit card a little over a month ago. I finally decided to close on a home I have been looking at for awhile, and so far things are going well and everything is working out. I received an email from the lender asking about why my credit was pulled from this credit card I opened. And now Im worried this is going to affect my closing date, which is in a month from now. Am I somehow screwed? I just dont know why it would matter if I opened this card before we even began the process with this home.  <response>: Youll most likely just have to provide your lender a letter of explanation. It shouldnt be a big deal. 