Absolutely. Also, do your own research as well. A random guy on reddit may not give the best financial advice. I was in your situation not too long ago, even similar debt amounts, and now I'm doing better than I ever have been. Goodluck!

Are you saying your credit limit is $5000? To maintain a good credit score, your credit utilization should always be under 30%. This will improve your score. Anything higher will start to be detrimental. It's generally favorable to put as much down as you can. Not only for better rates, but lower minimum payments. Of course it depends on many factors.

It'll probably serve you better to just pay over the minimum payment on the cc debt until it's entirely gone before going into more debt. I personally would avoid even going back into debt for a depreciating asset like a car unless absolutely necessary. Showing creditors you can handle debt responsibly is going to have a great effect on your credit score. Continuing to carry a balance and just restructuring your debt won't help you as much as just grinding out that payment while you're in a position to do so will.

I would get rid of the cc debt asap. 20% is a whole lot worse than 10-15% (which is also absurd). Stay at your current job as long as you can and save up for the car you want. In that time, hopefully your credit score will be much higher as well and you can get a better rate. Assuming you won't buy a new car outright and will be financing regardless.

Depends on the interest rate of the debt and the price and rate of the car as well. Hard to offer a solution with no insight on your complete financial situation as well.