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![update] customers can only apply for one sapphire card (e.g. csp cardholders can't get csr) + 48 month wait for bonus doctor of credit update] customers can only](https://3ie87c2dond928rt2e2zzo8o-wpengine.netdna-ssl.com/wp-content/uploads/2017/08/FullSizeRender.jpg)
update] customers can only apply for one sapphire card (e.g. csp cardholders can't get csr) + 48 month wait for bonus doctor of credit

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