Good morning everyone. A few weeks ago, Bank of America changed their rules in terms of approving new personal credit card applications. Doctor of Credit has a very good post about the new “2/3/4 Rule” which he states that Bank of American will “only approve you for at most two cards per rolling 2 months, three cards per rolling 12 months, and four cards per rolling 24 months. Let’s call this the ‘2/3/4 rule’.” Luckily, Bank of America business credit cards do not count toward the “2/3/4 Rule.” The comments and data points from that post are pretty conclusive, so instead of fighting the new rule, let’s see how we can play with this new rule.
I am OCD and I save all my credit card statements for every credit card from every month. I have statements for all my open and closed credit cards. I wanted to find out the opening date for all my Bank of America credit cards, so I opened the first statement for each credit card and looked at the first date printed on my statement. For example, I am pretty confident my opening date is right around March 23, 2017, for the credit card on the left and August 10, 2017, for the credit card on the right.
