With the recent changes in the Mlife system, I noticed a few searches by people trying to figure out how to verify their current tier since their Tier Credits had reset to zero.
The easy way to do this is to log in to your account online at Mlife.com and see what card is in the top right corner. It will not say Sapphire, Pearl, Gold, Platinum or Noir, but it will display the image for the proper card.
The Tier progress bar will also show how many credits you need to reach the next tier. Your tier is whatever level is below the ‘next tier’.  If it says ‘Credits to Pearl: xx’ then you are Sapphire.  It is says ‘Credits to Gold: xx’ then you are Pearl and so on.
If you know what status you were on October 1, 2012, that will be your status through October 1, 2013.  If you do achieve a higher tier between now and October 1, 2013, that new tier will be good until October 1, 2014.