Welcome to the forum. Glad you're here.
Quickly on to your evaluation. Nothing about your application screams T10. Your lack of research experience will make it difficult to get into a T25, but I think that based on your expected test scores, GPA's and writing ability (judged solely on your post), you'd have a solid shot at a T50 right now.
The nice thing for you is that it sounds like you are willing to put in some additional work and have the time to make a T20 a reality. So here's my suggestion. First ensure that you get at least a 730 on the GMAT. This will mean every program will at least look at your application. Second you need to get some research under your belt. There are a few different ways in which you can do this. The simplest and my suggestion, is to get a Master's. Go to a top program with great CB faculty and start doing research right now. Ideally an MS in Marketing would be great, but few top programs offer these. So you can do an MS in psych which will be helpful, or even an MBA assuming that the MBA gives you flexibility on which classes you take. If you do an MBA enroll in as few MBA courses as they will allow you to, and fill your schedule with psych PhD seminars, stats method courses, and all of the Marketing PhD seminars. Importantly, though, the point of your masters will be to gain research experience with top profs in our field and gain some valuable letter of recommendation writers. Make this your focus, but also keep that GPA above a 3.8. Try to go to a few conferences, and present some research there. This will make you stand out even more during the application process.
Again I can't stress enough who you work with is almost more important than what work you do. An ACR presentation with a no name prof is worth less than a topic specific conference with Prof. Big Name. At this point I'm sure you're assuming that my only thoughts and concerns are about you playing the game to get into a program. But I have ulterior motives to suggesting you work with a big name prof. You have limited to no research experience. Working with someone who is extremely prolific will help you to better understand the research process. It will enlighten you into what our world looks like and help you to make a decision about to do next. A master's is a two year chance to get your feet wet before diving head first into this (which I feel I should mention historically you only have about a 50% chance of completing). Gaining experience will help you to make an informed decision.
Other than that, if you are dead set on applying this fall, apply to 1 T10, maybe 2-3 T25, 4 T50, and 2 T100 programs. That will be a wide enough net with only 10 apps that you should have a decent chance. No guarantees of course, but I think a decent shot at a lower ranked program.