Thanks for listing the details. Often, posters just put a bare minimum, and it's difficult to get to some recommendations.
The AU account with your wife (ex-wife?). If she removes you as AU, that account and the related history is removed from your report, and no, you don't keep the limit, or the history, nothing. The $1,100 becomes a question because technically it is on her credit card. You should pay it just to keep things civil. You should also let her know you are paying it, because unless her payment history with this card is really bad, this card is boosting your current score. If she removes you, if it drops from your report, you probably will see a score drop, because you would lose that positive history. Thus, best action now is to play nice and keep paying and see if she will keep you as AU for a while.
The two First Premier accounts, anything you can do to avoid using those, is a good financial decision. The fees associated with even touching those cards are quite outrageous. I'd leave them open because of the history, but try not to use them, or figure out the best way to use them without fees (a difficult game, I think).
What is the interest rate on the Avant loan? How many months for the payments? Before deciding whether to let this one ride or pay it faster, that information is needed.
Care Credit: Likely best to pay this one off over a reasonable / regular payment plan. $500 as a basis for interest cost is not a lot, so I would not ignore it, but I would not be in a huge rush to pay it down first.
Discover, Barclays, and Walmart. There is an important concept of Pay In Full. This is where the card is used as a daily spender, but then you pay the entire statement balance by the due date. These three cards should be put on PIF mode, no carried balances, no interest cost allowed. What this does is, it forces you to stay within your budget. Only those charges that are part of your controlled daily living costs go on the cards, and then you pay them off by the due date, or earlier if you are approaching the credit limit.
Now, additional information please: What are the negatives in your file? The scores in your siggy are low 600's, implying some combination of lates or charge offs or other baddies. What is the status of those, because they will have some influence on your score for as long as they are on your credit report.
@Anonymous wrote:I also red that if im added to an AU such as an amex it benefits me alot because they backdate and limits... would anyone be able to help me adding me?
The AU situation results in picking up the history from the existing user, while you are an AU. You may be thinking of the AMEX Backdating method where the AU could app for a new card and pick up that older starting date as their own. I believe AMEX ceased all their backdating of new cards earlier this year. So, while you could get history benefit from the AU situation, likely not from extending that to a new AMEX of your own.
@Anonymous wrote:
About the Premiers, dont worry... i had left them in like $20 and $30 balances because i though it would help me more than just having them on a zero balance (doesnt it work like that?). but i will bring them down to zero now that i see your advice.
AVANT loan rate is 35.90% (Insanely high but i though it would be very to have a loan with no limit than maxed out credit cards).
Term 60 months
Payments 230
Loan= 6,400
Finance= 7,450
Total= 13,850 (I know this is outrageous but im planing to pay it by nest april when i recieve my taxes)
For the First Premier cards, I have not had one, but from what I hear about the terms, it may be possible to use them now and then, and then use the limited number of "free early payments" to pay that charge, or a few charges over a few days, before they have much time to generate interest and fees. In other words, it is probably a good idea to use them for something minor like a tank of gas or some groceries, and then arrange to pay that off a few days later. This may also avoid some "inactive fee" that they have and I am speculating about 
Yeah, you understand where you are with the Avant loan. At that rate, any spare cash you come up with early, to pay that down ahead of the tax refund will put lots of extra money in your pocket. With the available credit cards you have from Discover and such, you can handle daily spend there, manage payments on those cards to PIF. If you have any savings, I would consider drawing some of those down, because the 0.01% APR you are earning on the savings can be improved to saving 36% APR by putting that money toward the Avant loan, particularly if you get a windfall tax refund later.
What is the APR on each of the three regular credit cards you have, Discover, Walmart and I think you had Barclays? (I am being charitiable about the walmart card, it's probably a store card, but they sell so much stuff that it might as well be a regular CC)
You might check the Capital One prequalification site, to see if any cards come up there. Your recent improvement in scores, and even with a late, you may be OK to get a basic Capital One card. Try to go for a Quicksilver no annual fee card, but they may route you to Quicksilver One with an AF. No matter, if you get a CapOne card, you can start building a relationship with them and 6 months or a year from now apply for a better Capital One card.
Good luck!
