Originally Posted by
dangw20
Question about the 2/3/4 policy:
If you were "approved in error", does that "approved in error" card count against the 2/3/4 policy, or does BOA treat it as if the card account never existed?
I was "approved in error" in mid-2017. If I exclude that card I am under the 2/3/4 policy, but if include it I am over. I have applied for the Alaska card twice recently and both times was told I had too many accounts opened with them recently, which leads me to believe the "approved in error" account does count against the 2/3/4 policy. I am curious if anyone else has data points to corroborate this assumption.
First, what exactly does "approved in error" mean? (I've never heard of it before.) Does it mean that they meant to deny you but accidentally approved you? Or does it mean that they opened the card for you without applying for it (Wells Fargo style
)? Or does it mean something yet different?
Second, depending on what it means, that fact may recorded in a special place not accessible to those evaluating future applications, or may not be recorded at all.
So, yes, without knowing the details, I would assume it's more than likely that it's just treated (months down the road) as an ordinary approval, for the purposes of BofA's 2/3/4 as well as for anything else when opened accounts are counted.