You need to get your utilization down more...to around 30%. Less than 10% is ideal. To answer your question we need your income, the balance left on the car you plan to trade in and how much you anticipate getting for it, and the purchase price of the car you are considering. Too much negative equity can burn a deal.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Last App: 4/5/13 Gardening until July 2014