Refinance Auto Preapproved?

[jaytee]

I have to decide whether or not to refinance a car. I have 2 car loans right now only in my name.

Auto A

Open 12 months

Owe $9457

9.9% rate

Credit Union

 

Auto B

Open 5 months

Owe $5749

16.8% rate

Crappy Bank Place

 

Credit Union for Auto A sent me a preapproved auto refinance. skip 2 payments. APR as low as 4.9% but now i have 3 inquiries with EQ. I just put $5k on CC's 0% APR to pay off Auto B in 1-2 months. So utilization will be high really shortly with the 2 new CC's and FICO should go down. So do I jump on this now and take the fourth inquiry or skip it and say 9.9% is good enough???