Originally Posted by
soberego
what if this gentleman had a BOA AF card. Would that increase the carry-over ?
No.
Everyone who ends their membership year with an amount of XPs above the relevant threshold gets to keep the "remainder".
Having a credit card may help you to reach/surpass the XP threshold, but that's not the same thing as saying that it "increases the carry-over". There is no rollover unless you go beyond the threshold in the first place.