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NASA FCU advice to utilize hard pull from auto loan on other products?


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Currently have $15k Platinum with them with a low balance that was just boosted from their yearly $1k soft CLI. Got approved for a $20k auto loan but I'm going to turn it down ass I got a better deal from another lender. I would like to utilize the existing HP with the most likely option for getting approved given my credit profile. 

1. If I apply for another card they have 6.9% on balance transfers (no fee) which would be less than what I'm paying now. 
2. I could request a bigger CLI and would have balance transfers at 7.9%

3. I could could request a line of credit for emergencies

4. Combo of the above 

TU FICO 8 733
EFX FICO 8 740
EXP FICO 8 728


61% Utilization
$46k total balance (from business)

No late payments or bads.

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