Rebuilding my credit trying to balance transfer cc’s and auto refinance

QuestionsRebuilding my credit trying to balance transfer cc’s and auto refinance
asked 4 years ago

I’m trying to get all my monthly bills down and im trying to get a credit card for balance transfer of a total $ 10k on four cards. i also want to lower my 9.44% APR Auto Refinance 

 

So far iv been denied by

chase freedom unlimited, discover personal loan, lightstream auto finance, 

amex everyday, lending club.

 

My credit score 680

wells fargo $ 2,500 99% utilization, discover it $ 6,000 92% util, capital one $ 2,500 91% util. walmart $ 3200 39% util. home depot $ 2,000 0% util.

auto: ally $ 8,800 and santander auto $ 14,000

total credit lines: $ 16,200

 

should i try some other bank? any suggestions are welcome.

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