It all depends...what are you earning on your savings? If it's close to zero then yes you should pay off the credit card debt. If it's in the stock market which historically returns 10% over time and your credit card is low, like 3-5%, then you could make the argument to stay invested. If you are paying anything close to 10% on your credit card pay it off asap. Then don't get yourself back into debt and start saving/investing from there.