The points you lose depend on the rest of your profile, how recently, and how many of them. It would be nearly impossible to tell how many points all of them are costing. Try waiting 6 months with no inquiries and that shouldn't be an issue. After 1 year they no longer affect the score.
What are you applying for that you've had issues with?
How recently were the new ones opened? New cards will traditionally hurt you more than inquiries. Also, did you try to recon? Capital One owns the Best Buy cards now, so calling in the backdoor number for a reconsideration probably would have been your best best. You can usually explain your way around inquiries. However, if one of your charged off cards was with Cap1, that would be yet another stumbling block. Best advice is to do thorough research on the card you want to apply for before you do it. Know what bureau they pull, what bank backs it, what scores are generally accepted.
Yes, joint application = joint financial responsibility = joint income.
If you haven't had a CC inquiry since May, I'd be surprised if your CC inquiries are single handedly holding up any new CC accounts. The car shopping inquiries are probably scaring off the automatic application system. Upon manual review you should be able to explain those. Obviously other elements of your profile can still hold you back, but I don't see why after a recon and manual review you shouldn't be able to at least have the inquiries ignored.
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