<prompt> Human: So my Fiance and I are closing on a house at the end of the month. The seller has decided they are taking the refrigerator as well as the washerdryer set. There are still a few really good labor day sales events going on but I have heard competing things about buying appliences before the close date. We have picked out a few options of ones on sale that we like and are able to pay off right away by either paying cash or with a credit card and immediatly paying it off got to get those points, right?. When is the rightsafe time to make these sorts of purchases? Should we go with the more expensive new options or try to find cheaper used ones that wont have a warrenty? And how might these large purchases affect our final mortage rate?  <response>: Dont buy anything till you close on the house, if something happens then you are stuck with appliances for a house that doesnt exist. You can order take out for a day after you move in, its not like you are going to want to cook after moving all your stuff. Deals will come and go, another one will be right around the corner, dont worry. As for your actual question, you can buy things with cash, credit card, debit card just fine and it wont be any red flags. The issue is when you decide to open a new line of credit to finance the appliances, thats when you change your credit report right before and will cause a great deal of headache for everyone and even prevent you from getting the house. 