i finally got the last 25k for my wife's business gold, (total 100k) one jerk notated my acct. that i have to write a letter to get the points, next time i called they quoted me this notation, i told the guy that my friend got it w/o writing a letter, the guy wouldn't give in, i told him that i don't want to talk to him bec. he's ignorant, spoke to his supervisor Judy, 24 hrs. later got my 25k. Moral of the story: keep on calling, and if they quote notations at you, speak to asupevisor, one day after a few tries you'll get it.