Originally Posted by T-15.01

Another way to look at it is the opportunity cost lost. If you're a trip or 2 away from getting an additional 100k MQM rollover banked, ie you're close to 225k or 325k or 425k etc, then next year, you start at $0 mqd. You may have headstarts with a card or cards, but you still have to get to $28k mqd for DM, or, whatever the shortfall is after considering what card spend (÷10) will net.

Eg. Let's say you are at 413k mqm. If you achieve a further 12k mqm between now and 12/31, you net another year of DM. If you have a $5k mqd headstart via 2 amex dl cards, and say spend $150k a year across your cards assuming the most generous mqd cards, you'd get $20k mqd from headstart and spend, and then 'only' need to spend $8k more next year to get the same diamond qualification your 12k mqm would have earned you.

very very easy to spend more like $800 and earn over 10k mqm so in my opinion it's a no brainer.

In my case I'm 45k mqm short of another banked year. So it becomes questionable as to how beneficial it could be. I spend around $50k only so have next to no mqd I will bank from spend.

most all of my mqd is actual dollars leaving my bank going to Deltas.