Any maxed out card lowers your chance of approval, or approval with decent SL
It would be the best to bring the balance down as much as you can before the application
Okay thank you for clarifying. I was hoping since I was planing to apply after Chase was down to 0 I would have better odds (Care at 30% and Cap at 90%), I could transfer my CapitalOne amount over so I could work on getting that down. But it sounds like from you guys its probably best to wait it out at my 25% APR for a while. 
While of course the best approval odds are going to be with cards reporting under 29%, having them a bit higher doesn't mean you'd be automatically denied. I'd get the balance down on the two maxed cards somewhat equally. Using rounding like credit scoring algorithms do, your Chase card is at 86% and your CapOne is absolutely maxed at 100%. In the same time period, putting $1000 on Chase and $700 on CapOne would put you at around 36% and 70%; once those new balances reported to the credit bureaus you should see a noticable improvement in your scores, and would certainly look more favorable to new lenders.
Also, do you really have a $6,000 Kohl's card? Did that start with Capital One, or is it an older card originally issued by another lender? I've only seen one card higher than $4,000 here and most people (including wife who has scores in the 800s and has had her card for over 25 years) are stuck at $3,000 receiving letters that say "you already have the maximum credit line that this type of account allows."
Legal_Girl is the only person I know of with more than $4k and there are only a few of us higher than $3k, when $4k became available during a brief window.
https://ficoforums.myfico.com/t5/Credit-Cards/Credit-limit-on-Kohl-s/m-p/4690929#M1360473
https://ficoforums.myfico.com/t5/Credit-Cards/Credit-limit-on-Kohl-s/m-p/4690929#M1360473