I currently have the regular personal card and previously had the biz card. If I sign up for the Premier card, will I get the free cat. 4 cert the 1st year? It says in the fine print that you only get it if not a previous card holder. But if I pay the $65 fee, and I would get a free cat. 5 cert the following year, why wouldn`t I get the cert the 1st year, the fine print notwithstanding?