My general advice would be to stay focused on your long term goal, especially if you're looking to get tier one or zero scores for your auto finance. If the Ritz card won't put you off track, by all means consider applying.
For the Ritz card, anecdotal evidence suggests that your scores are in the right ball park and your TCL should be sufficient. However, I wouldn't suggest applying if you have recent derogatories with Chase. You may also want to think about whether your income and existing credit lines support a card with a $10k limit. Knocking util down 2% should be easy and would almost certainly be worthwhile; even better would be to get all cards to $0 except for one under 9%. Getting all your scores over 700 should improve your odds and may be easily acheivable.
