How the 2-3-4 rule can actually boost your credit score (if you use it right)

As of 2025, Bank of America is the only bank to have fully implemented the 2-3-4 rule for credit card applications. Many other banks follow similar limits, such as allowing one new card every six months. This rule means Bank of America lets you open two new cards in two months, three in twelve months, and four in twenty-four months. With rising credit demand, more banks are expected to adopt these policies soon.