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"Have planned" or "had planned"?

get/have cold feet
= to suddenly become nervous about doing something that you had planned to do (
= to suddenly feel nervous about doing something that you have planned or agreed to do (

Have or had planned?

In my opinion, have planned is a better choice because the past perfect is used to express an activity that was completed before another activity or time in the past (i.e. at least two past actions). @ccrouch1996 please enlighten me, thank you.

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