Originally Posted by neony77

I currently have the SPG personal card (had it for a long time) and my AF hit last month. I have decided to pay the AF and keep it for at least one more year. As I mentioned in my earlier post, since I am paying $95 does it make sense to upgrade to the luxury card, w/o a hard pull, and get 100,000 points for an effective additional $55. I do not want a hard pull on my credit so wanted to be absolutely sure that the upgrade wouldn't trigger one before I seriously considered the upgrade. No I don't plan to have both.