It seems your wife has sustained significant kidney damage on account of congenital vesicoureteral reflux and placement of catheter is unlikely to make any major change in her condition. On the contrary, placement of urethral catheter in the cases of vesicoureteral reflux enhances the chances of severe urinary infection. In case of fever, you should immediately take her to the urologist.
The rise in creatinine is the result of kidney damage and not its cause. In all probabilities she will ultimately need renal replacement therapy i.e. dialysis and or transplant. Any surgery for reflux at this stage may not be justifiable.