Re: Consequence
@AC a human may read and sympathise but the program assessing your history wont and the policy of whoever cares to check your history will likely not be flexible enough to authorise whoever it is your talking to to take that into account. It will require a lot of unnecessary effort on your part to rectify a blemish on your credit report. Also if you get 3 strikes before its a problem, you now only get 2 through no fault of your own.
if its your mistake to make that's on you, when your bank makes a mistake its still on you.