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Having all these cards at/near their limit will bring your score down slightly. However, paying them ontime will increase your score. Since you have done the work and maxed everything out - I would now seek out a consolidation loan to pay them off and cut up two of them but DON'T close them.
I had the same problem but since I had the new home my debt to ratio was to high for a loan so i to had to use my cc's for repairs, and repairs had to be done for home insurance purpose. I saw no way around it. Hope more information become available because now im trying to pay down cc cnat get a loan cause debt to high.
Like I stated the down payment was a bit higher than estimated due to the appraisal value coming in lower than expected. The home was foreclosure and in short sale with nobody living there at the time. The problem came in that the FHA inspector had missed such a major repair that needed done. That is why the credit card got maxed out to get repairs done ASAP.
The home mortgage payment with insurance and taxes is over $200 less than rent for a smaller place. Just going to have to have a tight belt for a couple more years like it took me the first time to pay down my debt. I put almost my entire income tax return which usually around $1700.00 in paying them down each year. I was really expecting to have a good $200 more cushion to breathe with but when we found the major floor repair that needed done where the sliding glass door is where the expense went. Part of the wall and the floor board had to be joyced and replaced. But one thing is I replaced the Sliding Glass Door for French Doors which is more secure and less likely to need repairs like a sliding glass door usually requires for the future. I also replaced the laminate flooring that was bad with Vinyl Plank Tile that I installed myself to save expense so that it will hold up better with rain and such.
So I am paying just a little over what I was paying before for rent but now I own my own place and it's much larger for the 3 of us.