credit card fiasco

here’s a listing of my delightful cards with & without balances

hills visa debit-this is the debit card for my checking account. obviously a positive balance on that one.
orange mastercard debit-this has an available $165 overdraft, but this is also a debit card linked to ‘savings’ with ingdirect & earns interest (savings=about $15 in there)

wamu/providian-this one changed names while i had it, but zero balance finally! it also gives me a free monthly update of my fico score (765 through transunion!)
gap-my weakness, but i haven’t shopped there too much recently, besides using it to pay for jeans that s needed. he's slowly paying me back. (interest, i know!)
ucbnd visa-couple hundred balance because i'm stupid & had to take out a cash withdrawal because I had to pay my chiropractor for out-of-network services nearly $400. dumb, dumb, dumb! paying back & hope to have down to zero again by christmas. this is also linked to the bank where my mom works. even stupidererer.
capitalone visa-paying down the balance from a balance transfer. approx. $1000. eep!

bank of america cubs mastercard-card in my name & s has a balance that he's paying on it, so as to get a credit history.

and thus is my current shameful credit card debacle.