To clarify, you got the 100 XP from the credit card and have earned 100 additional XP since then?

If you opened a new (had never earned an XP before) Flying Blue account, the 100 XP were immediately deducted and you got Silver (for anyone with Explorer status, the card effectively gave you Silver and rolled over all your XP to the new qualification year). You need 100 XP by July 31 to retain Silver (if you fail to hit that, you'll drop back to Explorer and not carry over any XP) and will need 180 to make Gold.