How close together did both bonuses post ?
Edp posted feb 12, plat posted feb 15. Clawback of 15,000 was on March 3. Both cards opened Jan 11 or 12.
Never refundable. Only PGGM on the biz plat. Spent well over the 10k to be safe.
Only questionable thing I can think of is that that the AU loaded onto serve?