Documented rule history
Active — last confirmed October 4, 2017Is the Bank of America 2/3/4 rule still active? On our documented record it is active, last confirmed October 4, 2017: Rule confirmed by a reliable source. We have 2 dated, sourced changes on record since 2017. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
October 4, 2017
Rule confirmed by a reliable source
Doctor of Credit confirmed the full rule with a reliable source, who indicated reps might override it based on relationship but rarely. Data points suggested business cards did not count toward the limits.
September 27, 2017
Rule first reported
At most two cards per rolling two months, three per rolling 12 months, and four per rolling 24 months; the post was originally published September 27, 2017.
Questions
Yes — active on our documented record, as last confirmed October 4, 2017: Rule confirmed by a reliable source. Always verify before applying — issuers change unwritten rules without notice.
September 27, 2017: Rule first reported. Since then we have documented 2 changes, each dated and sourced on this page.
October 4, 2017 — Rule confirmed by a reliable source. Doctor of Credit confirmed the full rule with a reliable source, who indicated reps might override it based on relationship but rarely. Data points suggested business cards did not count toward the limits.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Bonus Eagle. “Bank of America 2/3/4 rule — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/bank-of-america/2-3-4-rule
All Bank of America rules: the full issuer page.
