I became a Permanent Resident in 2026, so my credit history is new. I currently have three credit cards and a credit score around 750. Since I'm planning to buy a house in 2027, should I hold off on getting new cards and just ask for credit limit increases, or is it okay to apply for another one?
You should avoid opening new credit cards in the months leading up to your mortgage application. If you want to ask for a credit limit increase, you must first ask your card issuer if they will do a hard credit check.
You already have a strong 750 credit score and three active cards. Keeping your profile exactly as it is right now is the safest way to show lenders you are ready for a mortgage.
