Note that according to the T&C's, if you open a new account in November or December, the MQDs will count towards the year the account is opened (not which year they post). If the MQDs do not post until 2025, they will simply backdate the activity date on the MQDs to be 2024 and that is the year they will count towards. They used to do the same thing with Amex spend based MQM Boosts if they did not post until the following year.