An APR only matters if you carry a balance. Besides that you get 0% for 12-15 months when you open and it's easy to get another 12 months out of them after your intro period is up. The scorecard is just a monthly EX 08 score that AMEX would use but, I've yet to see Disco use it other than for my approval at least. Most see them pulling TU or EQ for some reason. CLI's are mostly based on your TU score that they provide monthly or some claim they use someone else even though the letter they send has the TU information lisred on it.
Some don't like the pre-check form and results from Disco and at some point it might have been bunk but, if you have a solid fixed APR or a slim 3 point range you should be good to go on pulling the trigger. Getting a Disco though is not a decision you'll regret if you like a solid card with some room to grow. e.g Started at $4500 and in under a year and a half up to $48K
