Personal Plat, moderate spend, 3rd anniversary, previously had a retention offer at 1st anniv. Only offer now was they would allow me to redeem MR for 1 cpp to cover the AF. Very disappointing. Will try again right before payment is due.

I might convert this to a Gold card so that I could easily convert back to Plat at some point, say when I'm doing a lot of travel in the fall and could make numerous Centurion visits. I wouldn't have to wait 12 months to do that, would I?