Thanks. Updated.
DP:
9 Jan : booked flight $228.90 with $15 eCredit and $213.90 booked to Amex Platinum
10 Jan: posted
14 Jan: meter moved (noticed after midnight so technically the 15th)
15 Jan: Received $200 credit (posting date of the 14th but showed up on the 15th)

My AF posts in 3 days, thinking of canceling if I get denied retention offer. and perhaps reapplying for Schwab. Pretty confident they wont claw back the $200 as technically was still a member.