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Me personally what i did was get a pre-approval auto loan through USAA and they gave me 28k @ 8.49% and went to dealership. They beat it and got me 4.19% through PNC.
Dont go applying at lots of banks just choose one or use your current.
AAOA means alot but its not everything. I had 9months AAOA. 2 cc and a auto loan. cc's only 5 months old. I was given Citi $4500, Discover IT $2500, Lowes $3000 and Walmart Discover $400 in my last app spree.
When apping they take into account income, time at work place.... Everyone has an unique profile and not one is the same.
where do you live? who do you currently bank with? any military affiliation?