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Well, applying for a loan and not qualifying for it won't damage your score, it is the actual application process that will (when they pull it)
I bluebooked a mid 2001 Honda Civic, and if you are confident that you will keep it for another 5 years, one option you may have is to do a consolidation loan using that as collateral. You will have a better chance to qualify than an unsecured loan, as well as most likely have a lower interest rate. I would consolidate the "worst" cards that you have (i.e. highest rates, annual fees, ect.) After doing that, take your remaining cards that you have and choose the "worst" card that you have out of those. Pay your minimum car payment, the minimum payments on all other cards, and put every dime you can afford toward the credit card that you chose to pay off. Once it is paid in full, choose your next card using the same criteria, and then attack it. As you pay off more cards completely, your monthly payments will decrease, allowing you to put all the additional funds towards principle on your debts. After all your credit cards are paid off, concentrate on your vehicle loan.
You should be able to consolidate your MBNA card, and hopefully your Chase card as well. Once paid, close the accounts until you only have 2-3 open lines of credit.
Secured credit, such as a vehicle loan, looks better to future lenders than unsecured debt, such as credit cards. By doing this, you should substantially improve your score and hopefully will qualify for Credit Cards and/or other loans with better terms in the future.
Another thing you may want to consider is dropping Ameridebt, as they probably are taking a fee with each payment, and it reflects poorly on your bureau.
I know that it may seem like a helluva long tunnel, but I promise that there is light on the other side.
If you have any more questions, just ask!
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