I didn't plan to apply for the sapphire card until after I saw the possibility of getting 100K. My spouse applied earlier and he was able to get extra 50K. That's why I decided to apply on Sunday, got approved on Monday, requested the extra 50K on Tuesday and got shot down. I would fight it until I got it. If not, then I would cancel the card after I got my bonus points and cancel my checking and saving accounts too. Let's see.