Rebuilding my credit trying to balance transfer cc's and auto refinance

[Anonymous]

I'm trying to get all my monthly bills down and im trying to get a credit card for balance transfer of a total $10k on four cards. i also want to lower my 9.44% APR Auto Refinance 

So far iv been denied by

chase freedom unlimited, discover personal loan, lightstream auto finance, 

amex everyday, lending club.

My credit score 680

wells fargo $2,500 99% utilization, discover it $6,000 92% util, capital one $2,500 91% util. walmart $3200 39% util. home depot $2,000 0% util.

auto: ally $8,800 and santander auto $14,000

total credit lines: $16,200

should i try some other bank? any suggestions are welcome.

[Anonymous]

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@Anonymous wrote:

I'm trying to get all my monthly bills down and im trying to get a credit card for balance transfer of a total $10k on four cards. i also want to lower my 9.44% APR Auto Refinance 

So far iv been denied by

chase freedom unlimited, discover personal loan, lightstream auto finance, 

amex everyday, lending club.

My credit score 680

wells fargo $2,500 99% utilization, discover it $6,000 92% util, capital one $2,500 91% util. walmart $3200 39% util. home depot $2,000 0% util.

auto: ally $8,800 and santander auto $14,000

total credit lines: $16,200

should i try some other bank? any suggestions are welcome.

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Your UTI is too high on all of those cards, except Home Depot.  It will be very difficult to get a new approval with several cards maxed out,  plus your scores realistically need to be in the 720-740 range.  I would instead focus on getting those balances down which in turn could help facilitate a rise in scores, enabling you to refinance the loans.  Sock drawer the cards for now and work on making those balances more manageable.

[Anonymous]

Thank you. I started to get declined for too many inquirys so i gave up. I'll just pay down my bills now

[Anonymous]

working on getting those balances down will definitely help.
for auto refi, I'd look at a CU that's local or you could join. I refi'd with DCU about a year ago. got 3.99% with scores 630-640. They've since moved it down to 2.99. There's more to approval than just score, but could be worth a try