Same; October date for me. I'm going to call and ask what the situation is for Dec 31, 2024 to renewal date.... if there is no credit, this is a huge rip-off.

If you had, say, a Dec 30 refresh date, you would lose out on an entire year of travel credit while paying the same massive fee!

The right way to do this would have been for the Jan 1 reset to be a pro-rated amount to your renewal date, and then switch to the $300/renewal period.