If it were me, Id pull the trigger but you wont get a $12k SL. Maybe $3k but you can go for CLIs afterwards
EDIT Synchrony will pull EX about 15% of the time
Guys I took the plunge. I first apped for a discover cash back and got $2,700. An hour later I went for it with Care Credit asked for $25K was given $10K. Thanks for giving me the push I needed to get this done. I am now off to gardening for the next 18 months.
Way to go...Congrats!!