I was planning to apply to a BizPlat and PerPlat in December, and just biding my time until that happened.

I went 5k over MSR on my latest card (lots of unexpected expenses), the Hilton Surpass. It still can get a FNA after meeting $15k by end of year… although its value is questionable.

I felt I was wasting away spend, and applied for a P1 BizGold LL with referral (this would be my third bizgold) two weeks ago for 200k+30k $15k MSR. 6mo-0%APR The application never went anywhere. It didn’t even register in the application status page.

So last weekend I had P2 apply for a NLL 200k $10k, which was instantly approved. Then I learned about the immediate PizPlat upgrade trick to get 120k more out of the same spend and was pondering it.. hmm will this be worth the extra annual fee..

And then three days later the original BizGold was approved. I guess we are just doing these two until December and not any other BizPlats, then.