Do I need another CC?

I have
1 cc
1 loc
3 Installments
Fico 8 is
Tu 640
Ex 649
Eq 640
Applying for mortgage in January, is it okay to get a few more cards?

OmarGB9 wrote:
They say 3 cards is a good amount to have. However, it is not recommended to apply for anything for at least a year prior to applying for a mortgage. So my suggestion would be if you want to add some more cards, you'd have to push the mortgage app to later next year.I think thats more just a general guideline than any hard and fast rule. Reasoning is that getting a new credit card can lower your scores for a "new account" and for AAoA. The new account ding lessens as the account ages - hence the "12 months" recommendation. In this instance a second (and maybe third) revolving account now may give a score bump, and let scores grow faster in coming months.

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Do I need another CC?

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