Sorry you got whacked for aging your profile. Need a bit more info. What are your FICO scores. If you have MyFICO you'll see your Auto Scores. Then the gang can go from there. Higher scores, lower APR.
FICO 8: 793 -> 760
FICO Auto 2: 710 -> 710
FICO Auto 8: ? -> 764
I did have a 20% usage on one of my cards though. I paid it off. Let's see what happens after my statement comes out in 2 days.
Hopefully you dont have all accounts reports $0 balance in a couple days. That will cost some points. Once you get closer to getting the car. You could do a 3B pull from here and see what your FICO 9 Auto Score is. Thats what Chase used when I got my truck 7 months ago. FICO 9 is usually higher than 8.