short answer: 3 points does not make much of a difference to any lender esp. w/ excellent credit.

longer answer: it really depends on where those three points shift you. the difference between 813 and 810 is non-existent. the difference between 697 and 700 might matter (though I doubt it). But if you're worried, then don't do it. credit offers come and go ... which means other offers will come.