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Applying with a 3.51 GPA

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Hello everyone, It's that time of year for all of you transfer students, application time! I currently hold a 3.51 GPA at a CC and plan to submit a TAG, as well as, apply to a few other schools. I'm set on the school I intend on transferring too, however I'd like to reach for a few schools which include UCLA (Econ) and USC Marshall. I currently have 31 credits. I am a Marketing Manager/Database Administrator for a local company in my area. I attended an Investment Conference in New Orleans (I'm from CA) as I do invest in my free time. I'm very interested in pursuing a career in investment banking and intend for my current GPA to go up. What can I do to increase my chances amongst other competitive applicants and how is my current standing with a 3.51 GPA? I plan on working extremely hard my second year at CC for internship purposes, but does a higher GPA in those semester have any affect on admission? It's my understanding that my current GPA is the one that will be looked at which is discouraging being that I have a full year until I transfer. Any suggestions, recommendations, schools I should look at are welcome! Thank you for all of your help!

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