I kept getting mailers for the card, and even though I didn't need the card I went to the Disco website and used the prequal tool and seen that I had a fixed APR of just over 13%. I have a lot of high limit cards that I'll never come close to using up but none even close to 15% much less 13. I never carry a balance, and I do not use balance transfer, but I love 5% cash back, and if I ever do need to carry a balance 13% sounded good to me.. So I pulled the trigger and instant approval for $6k. Can somebody give me some data points on CLI's? First CLI, how much to ask for, HP or SP... the basics.. Thanks in advance!