My wife applied for her SPG Amex on September 1st and was approved on September 3rd. 90 days from September 1st is November 30th, just in time for the HHilton Amex 65,000 deal that expires after the 30th of November. My question is if that 90 day rule applies to the date of application or the date of approval? She has 5 hard pulls since June 1st (obviously Amex being the last on September 1st). Although an extra 25,000 points would be nice, I would rather wait and have a safer chance with the 40,000 normal offer than running into issues and getting too greedy.