19200 points = 16 credits are needed for an Award. You have 3 credits (worth 3600) plus 4326 in your account. That leaves 11274 needed. The source of the points does not matter (credit card, flight, rental car/hotel, transfer in, etc.).
Nothing to be done with RR credits except to add to them with the requisite number of points to get an old-style standard reward. You cannot cash them in otherwise and you cannot give or transfer them to anyone.
Read this, though, for another wrinkle involving credits that you may find of interest:
http://flyerguide.com/wiki/index.php...nsfer_two-step