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    <title>topic AMEX GOLD TO PLAT in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496663#M1809233</link>
    <description>&lt;P&gt;Just PC from Gold to Plat. I was offered 100,000 bonus points and a $150 statement credit if I spend 6,000 within 6 months. 5x on restaurants / supermarkets in the first 6 months as well. I'm just hoping that because I "PC" doesn't mess up my bonus. I don't know why I have this lingering in the back of my head lol.&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" style="width: 185px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/80390i05ABFC63A402C4A5/image-size/medium?v=v2&amp;amp;px=400" role="button" title="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" alt="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sat, 26 Feb 2022 21:51:56 GMT</pubDate>
    <dc:creator>DoctorManhattan</dc:creator>
    <dc:date>2022-02-26T21:51:56Z</dc:date>
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      <title>AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496663#M1809233</link>
      <description>&lt;P&gt;Just PC from Gold to Plat. I was offered 100,000 bonus points and a $150 statement credit if I spend 6,000 within 6 months. 5x on restaurants / supermarkets in the first 6 months as well. I'm just hoping that because I "PC" doesn't mess up my bonus. I don't know why I have this lingering in the back of my head lol.&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-center" image-alt="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" style="width: 185px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/80390i05ABFC63A402C4A5/image-size/medium?v=v2&amp;amp;px=400" role="button" title="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" alt="16125424-89D1-49D3-9C3F-3E6919D80EED.jpeg" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 21:51:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496663#M1809233</guid>
      <dc:creator>DoctorManhattan</dc:creator>
      <dc:date>2022-02-26T21:51:56Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496667#M1809235</link>
      <description>&lt;P&gt;Congrats on the upgrade and spectacular upgrade bonus. &amp;nbsp;As long as it was an upgrade bonus, you qualify for everything stated. &amp;nbsp;You just wouldn't qualify for a public new account bonus if doing a PC.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 21:35:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496667#M1809235</guid>
      <dc:creator>K-in-Boston</dc:creator>
      <dc:date>2022-02-26T21:35:37Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496690#M1809241</link>
      <description>&lt;P&gt;Congratulations!&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 22:35:19 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496690#M1809241</guid>
      <dc:creator>Reviewers</dc:creator>
      <dc:date>2022-02-26T22:35:19Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496692#M1809242</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/973576"&gt;@K-in-Boston&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Congrats on the upgrade and spectacular upgrade bonus. &amp;nbsp;As long as it was an upgrade bonus, you qualify for everything stated. &amp;nbsp;You just wouldn't qualify for a public new account bonus if doing a PC.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Thank you makes me feel better!&lt;BR /&gt;&lt;BR /&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 22:36:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496692#M1809242</guid>
      <dc:creator>DoctorManhattan</dc:creator>
      <dc:date>2022-02-26T22:36:35Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496700#M1809244</link>
      <description>&lt;P&gt;Congratulations&amp;nbsp;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1083070"&gt;@DoctorManhattan&lt;/a&gt;&amp;nbsp;for your Amex PC to Platinum&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 22:52:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496700#M1809244</guid>
      <dc:creator>Red1Blue</dc:creator>
      <dc:date>2022-02-26T22:52:11Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496713#M1809247</link>
      <description>&lt;P&gt;Congrats &amp;nbsp;on the upgrade, did that offer come in your email or was it online when you signed in ?&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sat, 26 Feb 2022 23:17:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496713#M1809247</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2022-02-26T23:17:21Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496750#M1809253</link>
      <description>&lt;P&gt;Congrats on the upgrade!&lt;/P&gt;</description>
      <pubDate>Sun, 27 Feb 2022 00:18:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496750#M1809253</guid>
      <dc:creator>CloudyWeather1331</dc:creator>
      <dc:date>2022-02-27T00:18:44Z</dc:date>
    </item>
    <item>
      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496848#M1809263</link>
      <description>&lt;P&gt;Congratz! I thought about PCing but I wouldnt use it enough to offset that huge AF.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 27 Feb 2022 04:34:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496848#M1809263</guid>
      <dc:creator>MrBEW</dc:creator>
      <dc:date>2022-02-27T04:34:41Z</dc:date>
    </item>
    <item>
      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496852#M1809265</link>
      <description>&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold a little after a year past the upgrade...&lt;/P&gt;</description>
      <pubDate>Sun, 27 Feb 2022 04:46:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6496852#M1809265</guid>
      <dc:creator>notmyrealname23</dc:creator>
      <dc:date>2022-02-27T04:46:12Z</dc:date>
    </item>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497245#M1809322</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely &lt;FONT color="#FF6600"&gt;&lt;STRONG&gt;I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold&lt;/STRONG&gt;&lt;/FONT&gt; a little after a year past the upgrade...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;- my understanding is that there is no downgrade option on the Charles Schwab Platinum as there are no CS-specific Gold cards issued (same for the GS and MS versions). The 'vanilla' Platinum has the downgrade options to Gold and/or Green, though.&lt;/P&gt;</description>
      <pubDate>Mon, 28 Feb 2022 05:04:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497245#M1809322</guid>
      <dc:creator>FinStar</dc:creator>
      <dc:date>2022-02-28T05:04:27Z</dc:date>
    </item>
    <item>
      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497249#M1809323</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely &lt;FONT color="#FF6600"&gt;&lt;STRONG&gt;I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold&lt;/STRONG&gt;&lt;/FONT&gt; a little after a year past the upgrade...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;- my understanding is that there is no downgrade option on the Charles Schwab Platinum as there are no CS-specific Gold cards issued (same for the GS and MS versions). The 'vanilla' Platinum has the downgrade options to Gold and/or Green, though.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, as you can see from my signature I am rocking TWO Platinums. "Keep the CS Plat" is the one I am probably keeping. "It" refers to the Gold-&amp;gt;Platinum upgrade.&lt;/P&gt;</description>
      <pubDate>Mon, 28 Feb 2022 05:19:31 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497249#M1809323</guid>
      <dc:creator>notmyrealname23</dc:creator>
      <dc:date>2022-02-28T05:19:31Z</dc:date>
    </item>
    <item>
      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497258#M1809324</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely &lt;FONT color="#FF6600"&gt;&lt;STRONG&gt;I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold&lt;/STRONG&gt;&lt;/FONT&gt; a little after a year past the upgrade...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;- my understanding is that there is no downgrade option on the Charles Schwab Platinum as there are no CS-specific Gold cards issued (same for the GS and MS versions). The 'vanilla' Platinum has the downgrade options to Gold and/or Green, though.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, as you can see from my signature I am rocking TWO Platinums. "Keep the CS Plat" is the one I am probably keeping. "It" refers to the Gold-&amp;gt;Platinum upgrade.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, I'm aware you have both, but the way that specific statement was written, it leads with the CS Plat as the "it", so I was clarifying for the community to avoid confusion with the way that statement was worded.&lt;/P&gt;</description>
      <pubDate>Mon, 28 Feb 2022 05:27:39 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497258#M1809324</guid>
      <dc:creator>FinStar</dc:creator>
      <dc:date>2022-02-28T05:27:39Z</dc:date>
    </item>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497292#M1809333</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely &lt;FONT color="#FF6600"&gt;&lt;STRONG&gt;I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold&lt;/STRONG&gt;&lt;/FONT&gt; a little after a year past the upgrade...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;- my understanding is that there is no downgrade option on the Charles Schwab Platinum as there are no CS-specific Gold cards issued (same for the GS and MS versions). The 'vanilla' Platinum has the downgrade options to Gold and/or Green, though.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, as you can see from my signature I am rocking TWO Platinums. "Keep the CS Plat" is the one I am probably keeping. "It" refers to the Gold-&amp;gt;Platinum upgrade.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, I'm aware you have both, but the way that specific statement was written, it leads with the CS Plat as the "it", so I was clarifying for the community to avoid confusion with the way that statement was worded.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I agree, it sounded as if OP was saying they were going to downgrade the CS Platinum.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 28 Feb 2022 07:52:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497292#M1809333</guid>
      <dc:creator>OmarGB9</dc:creator>
      <dc:date>2022-02-28T07:52:21Z</dc:date>
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      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497305#M1809334</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Congrats &amp;nbsp;on the upgrade, did that offer come in your email or was it online when you signed in ?&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Online when I signed in and went to card offers&lt;/P&gt;</description>
      <pubDate>Mon, 28 Feb 2022 12:04:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497305#M1809334</guid>
      <dc:creator>DoctorManhattan</dc:creator>
      <dc:date>2022-02-28T12:04:33Z</dc:date>
    </item>
    <item>
      <title>Re: AMEX GOLD TO PLAT</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497645#M1809396</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/633614"&gt;@FinStar&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Yeah, that's been going around for a while. I took it because I'm aced out of Platinum SUBs anyway, though it's likely &lt;FONT color="#FF6600"&gt;&lt;STRONG&gt;I will carefully just keep the CS Plat that was offering 100k + 10x dining/Shop Small and downgrade it back to a Gold&lt;/STRONG&gt;&lt;/FONT&gt; a little after a year past the upgrade...&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1057009"&gt;@notmyrealname23&lt;/a&gt;&amp;nbsp;- my understanding is that there is no downgrade option on the Charles Schwab Platinum as there are no CS-specific Gold cards issued (same for the GS and MS versions). The 'vanilla' Platinum has the downgrade options to Gold and/or Green, though.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, as you can see from my signature I am rocking TWO Platinums. "Keep the CS Plat" is the one I am probably keeping. "It" refers to the Gold-&amp;gt;Platinum upgrade.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, I'm aware you have both, but the way that specific statement was written, it leads with the CS Plat as the "it", so I was clarifying for the community to avoid confusion with the way that statement was worded.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Right, so taking an upgraded Gold-&amp;gt;Platinum (the thread topic) back to a Gold at month 13 or so after an upgrade is feasible?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;(My AF for that card is due in May but month 13 is Novermber or so, so I think I am getting a prorated annual fee back).&lt;/P&gt;</description>
      <pubDate>Tue, 01 Mar 2022 01:37:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-GOLD-TO-PLAT/m-p/6497645#M1809396</guid>
      <dc:creator>notmyrealname23</dc:creator>
      <dc:date>2022-03-01T01:37:53Z</dc:date>
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