Also have both cards, actually just closed the personal card earlier today, plan to churn each every 2 years or so, hope to earn one SUB a year and also get some TQNs (Tier Qualifying Night). IME and AFAIK (in order of the questions):

- TQN from credit card spend post to WOH 1 day (occasionally 2 days) after statement billing closing date for which the applicable spend threshold is met.
- As above, 1 day (occasionally 2 days) after statement date.
- Extrapolating and deducing: Since TQN post to WOH within 1 day (occasionally 2 days) of statement date, would only seem to be an issue if statement date is 12/30 or 12/31. Statement date prior to 12/30/22 TQN will probably post on or prior to 12/31/22 thus for and in 2022. Statement date after 12/30/22 TQN will probably post on or after 1/1/23 thus for and in 2023.