For the plat 100k offer, I spent the $3k, paid off my balance, called them 2x and asked them to expedite the pending points. They told me that I have to wait until the statement closes and then they will post (one of the CSR offered to allow me to 'borrow' up to 60k points). I sent SM and bingo - points were expedited! Now onto hoping I will get the 50k gold MR...