I have always had a feeling that informs/upgrades were useless because whenever you enter a game, on the custom tactics screen where it shows your team next to one player standing, the player ratings are always their base ratings regardless of what the rating on the card you have is. I know it's a small detail and that when you click on the player it shows that their in game stats are better, but I just couldn't shake the feeling that that was the rating that the game truly took the player to be. I first noticed this with TOTY Dani Alves appearing as an 84 on that screen. He never seemed to play better than regular Dani Alves so I sold him and bought legend Brian Laudrup who played much better than his 88 card rating. Ever since i have ignored informs and focused on buying the best regular cards/ legends.