Do some research on the schools that you are interested in - many of them have GPA averages for admitted students as publicly available information. NYU Stern's average is 3.8; Booth's is 3.5.
If you're looking into top programs like these, your GPA is considerably lower than the average ranges - so you will have some explaining to do! Address this issue in your personal statements, not trying to excuse poor academic performance but framing it more holistically, for example: you started school without an idea about what you wanted to do in life, and performed poorly before you found a sense of direction. All of these great things that happened afterwards - work experience with great references, a high GMAT score, etc., prove this. Something like that.
Schools get this. Harvard, for example, says that
Although our students often have competitive undergraduate GPAs, there are many other equally important components of the application. GPA is just one factor the Admissions Board uses to evaluate a candidate.
I think that also, schools outside of the US generally place less value on GPA than those inside the country. Again, do some research and know where you stand.