I got the platinum 100k and my points posted, but now something just got refunded back to my card, which will put me under the $3000 spend, additionally now that I am looking at it, it seems that I only hit the $3000 spend because of the AF, which I am not sure how I messed that up, I think my best bet is to transfer my points out? any other ideas? Do I have to transfer all my points or just 100k?