Originally Posted by JJonahJ

1. You can not refer to the Personal Gold anymore from Business Plat, Personal Plat nor Business Gold. You can only refer from another Personal Gold to Personal Gold and wouldn't you know it, you no longer get a 5K/10K bonus when using a Personal Gold to refer.
2. The Personal Gold is no longer FYY and you will be charged the $150 AF when you open it.

See the post in my signature link for the dates of these monumental changes, it was just a couple of months ago.