Last Chance To Become Eligible For Sapphire Preferred’s Mega Bonus Of The Year: Convert To Freedom, Freedom Flex, Or Freedom Unlimited?

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Update: DEAD! Don’t miss it if this becomes alive again. Sign up for deal notification alerts here!


Update, 10/5: While Chase told me yesterday this offer would end sometime on October 6, Google is now showing an updated end date of sometime on Thursday, 10/7. 

If you have a Sapphire card now and still want to make yourself eligible for this card offer, be sure to follow the instructions in this post and in these FAQs.

Update, 10/4: With the Chase Sapphire Preferred 100,000 point offer ending on Wednesday, now is the last chance to convert any existing Sapphire cards that you have to a Freedom card to become eligible for this bonus. After converting to a Freedom card, you can wait 2 days and then try applying for a Sapphire Preferred card!

Note that as long as you apply with the 100K offer, you will still get the 100,000 point bonus even if you aren’t approved on before the offer expires.


Originally posted on 6/9:

Many people opened a Chase Sapphire Reserve card between August 2016-March 2017 when it launched with a 100,000 point signup bonus.

The Sapphire cards have a unique family rule in that you can only get a signup bonus once on any of them every 48 months. But that means many people are now eligible, or are about to be eligible, for another Sapphire bonus.

Chase currently has the deal of the year, offering 100,000 points if you open a Chase Sapphire Preferred Card and spend $4,000 in 3 months. Read more about that offer here.

But waiting 48 months from your last bonus isn’t enough, Chase also won’t approve you for a Sapphire card if you currently have a Sapphire card.

That means you either have to close your current Sapphire card or downgrade it to a non-Sapphire card in order to apply for the 100K offer.

By downgrading you will get a pro-rated refund of any annual fee paid on your Sapphire card.

After downgrading you should wait about 2 days before applying for a new Sapphire card.

The 3 downgrade options are:

None of those cards have an annual fee. So which should you get?

The Freedom Visa is no longer available for new applicants, but you can convert other cards to it. It earns 5 points per dollar on up to $1,500 of spending in quarterly rotating categories such as gas stations, restaurants, home improvement stores, wholesale clubs, internet, streaming, Amazon, Walmart, Paypal, grocery stores, and more.

The Freedom Flex Mastercard is very similar to the Freedom Visa, but you’ll also get cell phone insurance and you’ll earn 3 points per dollar on drugstore and dining purchases and 5 points per dollar on all travel purchased through the Chase Ultimate Rewards portal. The only downside is that Costco and Costco gas stations don’t accept Mastercard. However there is a workaround, you can buy Costco gift cards online with a Mastercard to take advantage of quarterly bonuses like wholesale clubs and gas stations at Costco.

The Freedom Unlimited card earns 1.5 points per dollar everywhere with no limit, making it an excellent card for everyday use. It also earns 3 points per dollar on drugstore and dining purchases and 5 points per dollar on all travel purchased through the Chase Ultimate Rewards portal.

Freedom, Freedom Flex, and Freedom Unlimited alone can’t transfer points into much more lucrative airline or hotel miles, but if you or your spouse has an Ink Preferred, Sapphire Reserveor Sapphire Preferred, then you can transfer points from Freedom to one of those cards and from there to your favorite travel currency. Those cards also allow you to redeem your points for paid travel or other select consumer categories and business categories at a value of 1.25 or 1.5 cents per point. The Freedom, Freedom Unlimited, or Ink Unlimited card can also keep your points alive for free if you do close one of those premium cards.

The value of the points will be based on where you use them, but if you use those points for a trip worth where they are worth 2 cents each then you’ll have effectively earned 10% back on 5 point categories or 3% on 1.5 point spending. The sky is the limit of the value of airline miles as they aren’t tied to the cost of a ticket. That’s good for people in the know and bad for those who are not. 1 mile can be worth 0.25 cents or it can be worth 25 cents, it all just depends on how you use them!

So which card option is best? It’s certainly valuable to have a Freedom Unlimited card for everyday purchases. On the other hand if you max out $6K/year in quarterly spending you’ll earn 30K points on Freedom or Freedom Flex, while you would have to spend $20K/year on Freedom Unlimited to earn that many points.

In short, if you just want to focus on quarterly bonus categories, you’ll want Freedom Flex. If you want bonus earning everywhere you’ll want Freedom Unlimited.

Personally, between my wife and me, we have 1 Freedom Unlimited, and 6 Freedom/Freedom Flex cards. There’s no benefit to having multiple Freedom Unlimited cards, but with multiple Freedom/Freedom Flex cards you can earn the $1,500 quarterly bonus on each card.

Which Freedom card is your favorite?

200 COMMENTS

Older First
  1. Alex

    If I am an authorized user on my spouse’s reserve, can I get the preferred bonus?

  2. Yoely

    What happens to the points in the sapphire account when changing it to a cash back card?

    • Dan

      Chase cash back cards are actually Ultimate Rewards points which can always be turned into cash, so they remain points.

      • Berk

        Can I transfer my points to my wife’s card, downgrade my card and apply fir a new sapphire?

  3. rkg27

    Will they claw back any benefits like the travel credit or door dash if you downgrade?

  4. Ryan

    Hey Dan!

    After downgrading do I need to wait 30 days before applying for a new CSR?

  5. J

    If you downgrade the reserve card to apply for this bonus, can you later upgrade the card back to reserve so you can take advantage of the 1.5 cents per point on travel?

      • Kivi

        Even while u get the preferred u can upgrade the other card back to a reserve and have both at same time?

        • S

          This could still make sense, but you should note that Chase has been discounting the CSR annual fee for renewals only – so by doing this you may pay $550 and not $450.

          • MC

            Are they still?

          • S

            I think Dan has mentioned it in the past few weeks

          • IB

            @dan any data points on this?

      • CtownBin

        Wont it look a bit funny to Chase to downgrade from CSR, then a week later switch right back??

  6. Anonymous

    Is there rlno downside to downgrading my Sapphire? Does Chase target offers based on how long I’ve had my card?

  7. Moshe

    I downgraded my CSR to freedom, chase says it can take 2 billing cycles to get the prorated refund. But now after being approved for the CSP I want to immediately upgrade back to the CSR in order to get 1.5 per point etc. do I have to wait for the prorated refund to hit my account!?

  8. Yosef

    Hi Dan,

    I canceled my CSP about a week ago due to general lack of use (I opened it in 2015). Just so I understand your post correctly, am I now eligible for the 100K bonus if I reapply?

    Thanks!

      • rc

        Can I still downgrade my csp and reapply today before the deadline or I need to wait the 2 days before I reapply

  9. jack

    if i downgrade my Reserve and get the Preferred and in 2 months want to upgrade back to reserve will i get another $300 for travel?

      • KB

        So no travel credit, but you will have to pay the full AF of $550?

      • Saul

        I’d think probably yes if you upgrade the new Preferred and no if you “re”-upgrade the old Reserve.

    • CtownBin

      Probably not, if you’re upgrading back the same card you downgraded from. But if you have a second Freedom anyways, try upgrading THAT one to CSR instead, and you’ll probably get a new travel credit right away, which means you’ll be able to get 2 travel credits (the second one a year from now) for the same annual fee.

  10. MoG

    How much time after it’s downgraded will I be able to apply for the sapphire?

  11. HG

    Can you first apply for this card and then downgrade the Reserve? What if I downgrade the Reserve and I am not approved for for the preferred?

    • Dan

      No.
      You can always switch back.

      • S

        Though, as I mentioned above, he would lose his $100 discounted renewal rate.

        • Kranzman

          Seems like this would just be ‘a cost of doing business’ to get the 100K bonus on CSP card. kinda like paying the points/fees on Plastiq to do the MS for bonus points. Sound right? If not, what am I missing?
          My CSR anniv is august 29 but i didn’t want to take a chance this CSP bonus offer would be gone so I downgraded today and will apply in 3 days for CSP and then move the downgrade back to CSR, as per Dan’s notes here. I hope it’s all correct…

  12. mr g

    so i have the reserve when it first came out and what i did is lowereD my sapphire PREFFERRED to regular sapphire with zero fees am i eligible now for sapphire preferred? or do i need to take the regular sapphire and downgrade to one of those?

    • MeirS

      I don’t think you’ll be approved for a new sapphire if you still have a sapphire, even the free one.

      • Dan

        Correct, you need to change to Freedom.

        • mr g

          @dan if i change my saphire only and keep reserved i can apply for preferred? also when i downgrade do they do a credit pull?

          • Dan

            No.
            No.

  13. Gaby

    Does downgrading to a Freedom card make me loose any future signup bonus for the Freedom card if I currently don’t have a Freedom card

  14. Ag

    @dan, I just came below 5/24. I have 10 open cards with chase. Do I need to close any existing accounts to increase chances of approval for sapphire preferred?

    • Dan

      No, if you’re denied you can call and offer to close a card to get approved for the new card.

  15. Yo

    How do I get 5% back at Costco gas with Mastercard? If I buy online gift card won’t it code as Costco wholesale?

    • Dan

      You need to do it when there’s a wholesale club bonus category.

  16. Jen

    Hoping you can help:
    I have the Reserve and unlimited. (I think regular sapphire too but I don’t use it)
    I’m thinking to just have my husband apply for the preferred.
    Thoughts?

    • Dan

      Why not both get the 100K preferred offer?

  17. Jen

    Or maybe ‘downgrade’ or change the sapphire to a freedom /flex?
    Thank you

  18. Joseph

    How do i find out when i had my saphire reserve card ? How do i know if its 48 months yet?

    • Dan

      If it’s still open or downgraded, just look back at your old statements to see when you last got the bonus.

      • joseph

        i closed it a while ago & its not showing on my chase profile.

        • Dan

          No way to know then, just have to apply and see.
          If you’re rejected there won’t be a pull.

          • S

            Since when is there no hard pull for rejected applications? That’s great.

            I’d recommend they try contracting Chase and/or search your phone/email for any communications you may have made regarding the card (in about 20 seconds, I found a whatsapp message I had sent to a friend when I signed up).

          • Dan

            For rejections due to multiple Sapphire cards or received Sapphire bonus within 48 months.

          • S

            Helpful nonetheless.

          • S

            Similar to Amex’s popup, just not quite as intuitive.

  19. Mootkim

    Any advantage of downgrading to Freedom Unlimited if I have the Ink Unlimited already?

  20. BWG

    If I downgrade the preferred to freedom what happens to all my UR POINTS? if I get approved for a new sapphire or upgrade back to the sapphire will my existing UR POINTS become transferable again?

  21. zack

    @dan If I downgrade to a freedom and don’t get approved for the reserve again, would I be able to reinstate my old card back to a reserve??

    • Dan

      Me too, start working on multiple Freedoms 🙂

  22. Ben

    If I downgrade to a freedom would I have to switch it back to a sapphire to apply for a new freedom or will I be approved for another one?

    • Dan

      You can switch between Freedom versions for that.

  23. Barry

    Can you downgrade online or do you need to call?

  24. GoFish

    I assume if I downgrade then upgrade my Reserve I will no longer be grandfathered in to getting my travel credit by the calendar year. Any downsides to that?

  25. JJ1

    wCan you downgrade your new preferred card after the bonuses point hit? Will you get a prorated refund on the 95? IS there a clawback

    • Dan

      Not advisable to close or downgrade within 12 months.

  26. Zf

    I didn’t realize I needed to switch my regular sapphire too, I only downgraded my reserve. Is that true?
    Is there any benefits of a plain sapphire over the freedom cards?

  27. Issac

    I didn’t see the part about waiting 2 days and got declined can I apply again or I am done and won’t get approved?

    • Dan

      Sure, you can apply in 2 days.

  28. RA

    Thank you so much for all the info.

    I just downgraded my CSR to Freedom Flex.

    Does the Sapphire Preferred allow me to book travel directly like the Reserve? I have used that several times.

  29. AJ

    Is it worth it to get the card to switch the 100,000 to my Hyatt account or is it more valuable in other ways?

    • Dan

      Why transfer before you have a use for them?

  30. Kivi

    Currently abroad when downgrading and upgrading do u get new digits and or new card?
    If paid for travel with reserve then downgrade will beninfits and protection regarding the travel be affected? And if yes when reupgraded back does the coverage on the previously paid travel come back into affect? Thanks

    • Dan

      Same card number.
      When you reupgrade you’ll get them back.

      • Sam

        Chase Benefits says the benefits are assigned based the card at the time of purchase regardless of whether the card changed or even exists at time of claim

  31. DD Reader

    In the most recent billing cycle, will all my 3x purchases on restaurants and travel be converted to 1x point purchases if I downgrade before billing cycle closes?

  32. Abraham

    So you are able to have 2 sapphires at once (by downgrading reserve to a freedom and then upgrading back to reserve once approved for preferred) but you can’t apply for a a Sapphire of you currently have one?

  33. ChasingDanLevelTravel

    How soon after opening the CSP can we upgrade to. The reserve?

  34. Moshe

    I had downgraded my CSP yesterday and I tried applying today because they told me the product change was completed and I was declined. I did call them and they said it’s because I had a sapphire card recently. Whet could I do now?

    • Dan

      I said wait 2 days, not 1 day.
      Try applying tomorrow.

  35. Stephen

    Does chase have a limit on how many cards you can have with them?
    Currently 1 business and 6 consumer

  36. Mike

    Hey, I want to apply for this card and the United quest. If I do 2 tabs will it be one pull?

    • Dan

      Yes, 2 Chase cards on the same day will typically be just one pull.

  37. S

    Unfortunately I’m in the wrong part of this 4 year cycle. Got a CSP in 2018.

  38. Menachem

    So the freedom unlimited is in a way better than for example the Citi double because those 1.5 points could be worth more than the 2 cents?

    • Dan

      Sure, though Citi double cash also be worth more than 2 with a Premier card.

      • Menachem

        interesting, this game is complicated.

        Thanks for all the info i just applied for the prefered through your link, its under review!

        Why is there a hard pull if chase know my credit info as they provide me a report?

        Also if someone has the amex platinum is it worth it to get the prefered (besides from the initial bonus)?

  39. Mo

    I had A sapphire Preferred and downgraded to a regular sapphire was that a dumb move? (we both recently opened preferred) Between me and my wife we have preferred/Unlimited and freedom in addition to airline and hotel cards

    • Dan

      Regular Sapphire is pointless. Change it to another Freedom?

      • Mo

        Does Getting another freedom prevent me from getting an opening bonus in the future on this card?
        Can you do a product change twice?

  40. jking

    Any of these 3 cards have no Foreign Transaction Fees?

    Thanks

  41. Jack the Quack

    I tried to apply and was declined right away – how do I find out why i was declined and can i reapply a different way to get approved?

    • Dan

      Call Chase.
      Do you have a current Sapphire card or did you get a Sapphire bonus within 48 months?

      • Jack the Quack

        dont have a sapphire currently – last time i got the bonus was in 2016…

        • Dan

          Did you close it? Downgrade it to?
          Either way, HUCA

  42. Mike

    I did a product change yesterday. Online it’s already showing as freedom. Can I apply now (were you saying 2 days to be safe?)

  43. 1991

    Question:
    I downgraded my SR to a freedom.
    I’m assuming that the new card will have a new expiration and CVV, correct?
    For how long the old car remains active?
    Will it stay active as long as I don’t Activate/ use the new card?
    Thank you

    • Dan

      Old card will continue working until expiration.

  44. Kranzman

    I’ve seen others say best not to purchase gc’s at SM for initial spend requirements. Dan, is that true? What about other gc’s like OD when they run their specials?

  45. simon

    i plan on downgrading my reserve card to a freedom card and applying for a sapphire preferred.

    how long after I’m approved can i switch my freedom card back to a reserve card?

  46. Gevaldik

    I went for the freedom card, already have a freedom unlimited. Was going to do FLEX, BUT ITS A MASTERCARD SO YOUR CARD NUMBER WILL CHANGE.

  47. yyz_fan

    Once I get approved for the sapphire preferred. (after down grading my current reserve to a freedom unlimited )

    Is there any reason or advantage to upgrade the same account that I initially downgraded back to sapphire reserve or should I keep the freedom unlimited and apply for a new sapphire card ?

    • Dan

      You won’t be able to get approved for a new Sapphire Reserve for 48 months, so upgrade will the only option until then.

      • yyz_fan

        ok…but if I want to get a a freedom unlimited card to create my chase trifecta…can apply again for a freedom unlimited after upgrading the freedom unlimited back to sapphire reserve?? or must I wait again ??

        I would like to have a total of 3 cards sapphire reserve , sapphire preferred an freedom unlimited..

  48. Ari Bleeman

    This is a bit off topic but I just transferred 265,000 ultimate rewards points to Southwest instead of 26,500. Both Southwest and Chase say there is nothing that can be done. Has anyone ever been in this situation and got them back?

    • Dan

      Ouch. Have you reached out to a manager at Chase to see if they can open up a case?

      • Ari

        I just tried. Nothing they can do. I told them I was going to have to downgrade because of it which works out great anyways so I can get the preferred on a few days.

  49. yosef768

    I see the transfer of points on my sapphire reserve statement dated April 20, 2017 showing that my wife’s bonus points transferred that month to my acct. That’s the date that matters right (when she earned her bonus, which would have been prior to April 20, 2017)? So she should be eligible now to apply for the preferred and get the new bonus? Just wanted confirmation before she applies. Thanks!

  50. Moshe

    Hey Dan, I downgraded my reserve to freedom, and got approved for the preferred.
    Since I have multiple Freedom cards do I NEED to upgrade from that specific freedom back to CSR or can I just upgrade from any of my Freedom cards to a reserve?

  51. ES

    Firstly, love the amount of times you replied ‘2 days’.
    Secondly, do you know how much longer this offer will be around for? (Currently in a new mortgage process)

  52. dave

    Thank you for the idea. I have had the Reserve card since day one and I will keep it as long as I can. That said, if I request to downgrade it, wait the two days or so, apply for this deal and then get the reserve back, do you think that I would be able to transfer the 100k bonus points over to the reserve to make them effectively 150k points?

    Thanks again and best of luck.

  53. E&N

    Hi Dan, thanks for all your guidance. If I downgrade my Sapphire reserve to get a Preferred and then reinstate the Reserve, will I have to pay the $550 again?

    • Dan

      If you downgrade you’ll get a pro-rated refund of the annual fee, when you upgrade you get charged. No loss.

  54. KG

    My CSR 48 months was up in Sept so in Dec I applied at 60k fort he CSP. Man I feel shorted. I tried to get the 80k on a recon call but they didnt do it. Man this hurts!!

  55. JC

    I waited 48 hours after downgrading my CSR to to Freedom Visa but was denied. How long do I need to wait before the system lets me reapply?

  56. Gracie

    What should a non-working spouse in a high income household put down for income when applying? Can I put down the household income? My husband was already approved and now I want to apply for one as well.

  57. Chaya

    So if I have a sapphire reserve and a sapphire preferred do I have to downgrade both? my most recent bonus was 100k in march of 2017 with sapphire reserve…

  58. bk

    i noticed that you don’t have any post on the freedom visa
    is that because you don’t recommend it?
    is there anywhere besides for Costco that I will have issues with a MasterCard?

  59. Benny

    Hi Dan dose chase Count Authorised used cards for the 5/25 rule?

  60. Benny

    If I downgrade my csr to the freedom and then apply for the csp then upgrade that for the csr what will happen with my original points from my original csr that I downgraded to freedom am I able to move it bake and if yes how?

  61. minny

    If I downgrade my sapphire to a freedom and reapply for the sapphire a few days later and I’m denied, will i be able to upgrade my freedom back to the sapphire? and how long after?

  62. johnny

    Just downgraded by Reserve. Hope I can get the 100K on Wednesday

  63. Mr. CC

    Does Chase do a credit check if they don’t approve because I recently received the bonus?

  64. BTW

    Hope this wasn’t already covered, but looking for some advice. I cancelled my reserve card last week and tried applying for the preferred two days later. I was denied, so I tried again two more times and was denied. I called today and they told me that my reserve card has not yet cleared from the system. They could not override that and push my application through. Anyone else have this problem and found a workaround?

    • Dan

      You are supposed to downgrade, not cancel.
      Try reopening it and downgrading it.

      • BTW

        Thank you for the reply! Problem is, I already have the freedom, freedom flex, and unlimited. So I figured my only option was to cancel and reapply

        • Dan

          Nope, as the FAQ post says, there is no limit to Freedom cards and the more you have the better.

          • BTW

            I downgraded on 10/4 to my second freedom flex and reapplied today. It did go through and Chase says that they are going to deliberate on my application further instead of immediately denying it like before. This is the usual pattern for my credit card applications so I’m pretty hopeful. Thanks for the guidance and posting these updates, Dan!

  65. Erik

    I just came across this post so I’m short on time….downgraded my reserve to a freedom flex at 10:15pm MST today (Monday). Am I eligible to apply for the preferred anytime on Wednesday or do I have to wait until after 10:15pm? (assuming they haven’t changed the sign up bonus at that time). Thanks!

    • Dan

      Probably better to wait for later on Wednesday.

  66. Vincent

    Hi Dan
    Today is Tuesday
    I believe you said we need to apply by Wednesday
    I have a Reserve (which renewed October 1st, they charged me 550) so I wont have time to downgrade it today (which in theory would get me the 550 reimbursed) and apply to the Preferred because that would only be possible Thursday
    Correct?

  67. Mo

    If I downgraded yesterday 11pm, when should I try applying?

  68. SG

    I have the Sapphire preferred card for over 4 years.
    Is it to late to downgrade today and still get in on this offer?
    Thanks

  69. Farhan

    How many days do you need to wait after cancelling a CSR before applying for the CSP? Is it also two days?

      • Mike

        Waht will happen if I apply less than 2 days after downgrading.

  70. srap

    Chase CSR is telling me we have to wait THREE months to upgrade back to the Sapphire preferred. Is it only to the CSReserve that it is immediate?

  71. Sam

    I applied for me and my wife. I got declined and my wife’s said they need more time. I called in yesterday for a second review and they said I should hear back soon. I never heard back but I see the card on my online account. Does that mean I’m for sure approved?

  72. srap

    Love to hear news is fake sometimes! Thank you. Have a problem with downgrading. My account only has $500 credit line so when I want to get the new Sapphire I will need a credit increase since it is a minimum of $1k to open the account. Since they will be doing a hard pull anyway for a new card that shouldn’t stop me from downgrading, right?

  73. David

    Dan

    I downgraded my CSR on 10/4 at 4:45 pm. When do you suggest I apply for the CSP?
    Thanks

    • Dan

      Tough call. I think you are OK to wait for tomorrow morning.

      • David

        Do I lose by trying today at 4:45?

        • Dan

          You can certainly give that a shot. Worst case you can reapply tomorrow if you have to and if the offer is still around.
          Let us know how it goes!

          • srap

            If we reapply the next day, does that count as a second hard pull?

          • Dan

            There’s no pull if you’re not eligible due to the signup rules.

          • David

            Just applied and approved!

  74. Martin

    Got declined on the spot. Im 18 with no other Chase cards. My other card is an additional on Amex. Any suggestion?

    • Dan

      Go to a branch and open a checking account and then reapply.

  75. N2

    I switched a card from a regular Sapphire to a Freedom on 10/5 in the afternoon. Should I apply after 10PM tonight (10/6), or wait until 10/7 in the morning based on the new information? Is the new info reliable? The rep I spoke to yesterday afternoon was told 10/6 is the end date. Or does the 2 day wait only needed when applying for the SAME card (Sapphire *preferred* downgrade, new Sapphire Preferred application) as opposed to a regular Sapphire to something else and new Preferred application?

  76. Eli

    besides your image in this post, I can’t find anywhere online indication about the offer ending Thursday. Is it still worth waiting till Thursday to apply? I downgraded my reserve card yesterday. Even though hasn’t been two days, do I have anything to lose by applying today already? What move would you make to most securely grab the 100k offer?

    • Dan

      Did you search for “sapphire preferred ends”?

      • Eli

        Yes. Exactly as you had in screenshot. I’m in Israel, if that’d make the difference. Either way, not finding Thursday date anywhere else and unsure what the wisest move would be.

  77. NC

    Thanks Dan! Downgraded on Monday afternoon and was just approved.

  78. D

    Thanks! I have also downgraded on Monday at about 4:30 PM and was just approved.

  79. Eli

    I downgraded my reserve to freedom on Tuesday. Applied just now for preferred and was declined. Any sense in calling reconsideration line now or better to apply again later today?

  80. Yossi

    I downgraded end of September and applied On October 6 I got a generic email from Chase that they were reviewing my application and I see they pulled a credit report I haven’t heard anything from them cents and when I called them they said they have no record of an application. What is there to do?

  81. Ben

    For a reference point I downgraded 7 days ago and am attempting to apply in-branch for the 100k, I’ve gone daily starting at day 4 and they consistently say you have to wait 30 days. It’s not showing up as an option on their screen, same story at a few different branches. When they call in it’s the same answer every time, not enough time has passed and it could take up to 60 days.

    • Dan

      The online wait time is 3 days.
      The branch wait time is 30 days.

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