Credit Cards For People With No Credit

Let's say you have 3 credit cards. Card #1 has 0 w/ APR of 29.99% and overdrawn. Card #2 has 0 w/ 29.99% APR and overdrawn. Card #3 has 00 w/ 13.9% APR and brand new with a ,000 limit. What would be a better choice, pay Cards #1 and 2 off and then work on #3 or balance transfer #1 and 2 to #3 and pay it all off on one card over time? What would be the best decision for reducing debt with the least amount of money lost in interest?
Card #3 has no intro rate. The balance transfer rate is the same as the APR rate of 13.9%.

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If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-changing events, is there a credit card offering a good APR introductory rate who isn't going to consider you "high risk" and take advantage of your current situation to change you from the best rate to the worst? Is there anything where your money does some good like "working assets" that hasn't been swallowed up by B of A or MBNA? Does a credit score of about 650 mean you should be paying the worst APR rate?

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