topic Re: does BofA's 2/3/4 rule apply to their biz cards? in Business Credit

does BofA's 2/3/4 rule apply to their biz cards?

idunnomypassword1231 — Sun, 09 Nov 2025 10:38:45 GMT

thanks

Re: does BofA's 2/3/4 rule apply to their biz cards?

JoeRockhead — Sun, 09 Nov 2025 12:55:51 GMT

I don't believe that personal card rule applies, or includes their business cards. But, there are still restrictions on their business cards. It depends on whether or not you have a banking relationship with them as to what rules apply.

No relationship rule is a denial for 3 or more cards (any issuer)in 12 months.

With relationship rule is relaxed to 7/12

Re: does BofA's 2/3/4 rule apply to their biz cards?

LiamDavis — Wed, 12 Nov 2025 22:59:33 GMT

I don't think so. I'm pretty sure that's not an official rule for any cards.

Re: does BofA's 2/3/4 rule apply to their biz cards?

JoeRockhead — Thu, 13 Nov 2025 12:19:12 GMT

@LiamDavis wrote:
I don't think so. I'm pretty sure that's not an official rule for any cards.

I'm not quite sure what you're saying but to clarify, BOA's 2/3/4 rule while not an official policy, is a real internal policy they have that's been seen time and again through numerous DPs. Just like Chase and their 5/24 rule isn't officially acknowledged by Chase, but widely known, and accepted to be real.