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Credit pull before closing

So I have a question I’m hoping someone can help me with. I am under contract for a house right now and I wasn’t aware of this but apparently I wasn’t supposed to open any credit lines during the closing process. I opened a credit card last week (the debt to income ratio wasn’t affected at all and my credit isn’t bad by any means its a 768) but I won’t be able to receive a bill in time for the closing because our closing date is August 10th and the bill wouldn’t come until the 19th. Our mortgage loan officer told us to basically send him a letter saying that I pulled credit but didnt receive credit due to this inquiry. He also told me that the underwriter can basically just cancel the whole deal without a bill, my mortgage loan officer has to see what the underwriter says regarding the letter. Should I just cancel the card altogether? Its through Chase and they said they can’t provide a bill before closing but they have a department that for loan purposes can show that you have a zero balance instead of a bill. Idk if that will solve the problem, I’m not really sure what to do. Idk if i should have them get me some sort of estimated minimum monthly payment. The main issue is that the lender will need to know the potential minimum monthly payment but at the same time wouldn’t proof of a 0$ payment give me an estimated minimum monthly payment of 25$. I really appreciate any help anyone could give me. Just tryna figure out my best approach here and what to do. I’m not sure if the loan purposes proof of 0$ balance will help at all,I don’t wanna open up any doors I don’t have to. Thank you in advance. My biggest concern is that I don’t want the deal to fall through altogether. I’d hope at the very least they would just extend the closing date 9 days so I could get a bill. This is regarding CT area.

submitted by /u/FewDay262
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source https://www.reddit.com/r/RealEstate/comments/hzrij9/credit_pull_before_closing/
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