As far as the APR figures you list go, the APRs have zero impact on FICO scoring.
Furthermore, the only relevance they do have is on how much interest you get charged if you fail to pay the "Amount Owed" listed on the top of your CC statement. If you pay that amount in full, you get charged zero interest, even if the APR was 835%. Is it possible for you to pay your statements in full each month? If not, is that a goal you'd be willing to work toward ASAP? It's a very valuable place to get to, and then once achieved, working on saving cash so you always have plenty of money for any emergency.
Moving on now to focus purely on FICO scoring impact, there are three factors involved:
(1) Total utilization (all cards and their limits counted together)
(2) Individual utilization (each card and its limit counted separately)
(3) Number of cards with a positive balance
#1 is most important. You begin taking a scoring penalty as soon at this goes over 8.99%.
#2 is important only when this number is much higher. Many of us think that there is no penalty as long as the percent here is < 49%. The big idea is that this factor is about penalizing you when your card is close to being maxxed out.
#3 you get the most scoring points for when most of your cards (but not all) have a $0 balance.
Thus for you the goal you want to work toward is to always PIF.
Then in the month or two before an important credit application, pay all cards to $0 except one which would have a small positive balance on it, like $10-20.
