Originally Posted by
mrkymark
Originally I thought if I upgraded to RC at 365+1, but before AF anniversary(365+30) I would get the 85K, but data is pointing to the 35K being deposited at 365+1 regardless (maybe, I'm not sure) There are reports of those who upgraded and got the 85k that same year vs 35K FNA - perhaps this was the window for that?)
The mechanics of this card are pretty mysterious. At least with Amex if you upgrade on 365+1 you get the 35k. That is, there is no way to get an 85k after upgrading because you only can upgrade any card after one year.
I sort of expect Chase to work the same way, but who knows