First: PhxCobra, welcome to FT!

Now, please know that cross posting is not allowed, per FT rules. See here.
http://www.flyertalk.com/help/rules.php#q64
And, since you are new, perhaps you should read the rest of the rules as well to familiarize yourself with how things are done here at FT, so next time you will know better.

I have already responded to your question in the Credit Card Programs forum, which is indeed where it belongs. I will alert a moderator to lock/delete this thread.