@Anonymous Hello and welcome 
So yes the higher UTL is affecting you, being over 2 years is pretty good for "fresh credit". Also it's never to late to start so KUDOS to you on that one. I would recommend getting the two higher UTL under 30% at first, if possible get both down to 0 and have a very small balance reporting to a Bank Card (Probably your BOA would be best?!) around 8% or so to put your foot in the door for AZEO 
That will help push you in the right start as far as growth, do you have any vehicle loans or Home loan?!
Depending on what your profile was like when you applied for it, the QS may be bucketed. If so, its growth potential for CLIs will be pretty limited. But reducing your util will definitely put you in a better position for CLI & SL for other cards.
@Anonymous Ok that is good you don't nec. need to have both but having an Auto is good QS is a bit harder to CLI from what I have read do some more digging on your other cards to see about growing them to help with your UTL (AGG) that may help as well. Also be aware of what factors they may use in their denial if it's something like nothing is wrong with your UTL but rather 47 inquiries then you know to work on that to help you grow faster too Did they put in your denial letter why?! Another side note is to remember a LOT of people are tightening their reigns with COVID going on so even stronger profiles are being told no for very very small things that normally wouldn't be a concern before.
Bucketing is basically when a lender has internal tiers for what is externally the same card based on the borrower's credit profile at the time of application. When people talk about bucketed cards here, they usually mean a card w/ Cap1 or another lender like them that they opened early in rebuilding and won't grow beyond meager limits even tho their profile has improved b/c it's stuck in the subprime tier. If your scores when you apped were around what they are now, then it shouldn't be in a subprime bucket. Cap 1 can be stingy w/ CLI in general, tho.