If they can't track historical EQM, EQP or EQS, number of years as EXP would be a decent way to go, no one ever bought into EXP by credit card spend.
Besides, this is my 9th year as EXP and I'll never re-qualify again. But if they set 10 consecutive years EXP as the cliff for LT EXP, I'd find some way to shove my missing 75K into the last quarter of this year.
