Are you able to PC a PRG to Green prior to the $175 AF posting or are you required to have the card for a certain amount of time (13 months?) before switching to Green?
Curious about this issue as well. Either way, I believe the AF is prorated so it's more of a $10 difference than $80.
I PCd my regular gold to sr. green 5 days before the $125 AF for the gold was due to be billed, Oct. 28th. This was the end of my first year with that card, though my account dates back to 1984 as cardholder.
My sr. green $35 AF is set to be billed Dec. 13th.