Hi, I totally agree, I was in the mortgage industry for a very very long time before I got into Real Estate and I have seen over and over again these issues. The lender will most likely re-verify your credit and job the day before or the day of closing to make sure there has been no new credit which would affect your Debt to Income ratio nor have you quit your job. So please sit tight.. and don't do anything until after your closing or you could jeopardize being turned down. The way the lender will look at it, even if you just open the account and did not use it, they would have to figure a minimum payment and add it into you DTI, the loan would have to go back through underwriting and sometimes the margin is so small even at $10 - $20 a month payment could make the DTI go beyond the program limits and the loan be denied. So again. sit tight..