I just applied and was approved for the Reserve card. It's already August and it'll be difficult to put in $60k before the end of the year. I might be able to put $30k. Maybe. I'm still thinking how to do it. Basically the time to do it is before the end of the calendar year right? So if I don't meet the spending requirement for the MQM boost, then it resets on January 1st? I probably should have applied for the card earlier.