1. Well you have a 744 Score if that's up to date so I don't know why you would be very concerned about score unless you are trying to close on a mortgage.
2. How much are we talking on original purchase, because that 6 months is accrued.... but this Fab. BT is it free transfer or 3,4%? That could take away savings.
The answer is always money. The only time the answer is score is if you have an application like an auto loan or mortgage coming up where you need extra points to get a better rate. And you want that better rate to save money, so the answer is still money.