[N2Advnture]

Not a financial adviser but...if you withdraw from your 401k early you pay the income tax on the earnings as well as a 10% penalty.

Since the market has hit it's low and on the up swing, you'd not only be loosing the 10% + tax but the opportunity to recoup the loses taken in your 401k when the market went down.

My advise would be to open another card with a much lower rate and transfer the balance (many have 0% interest for X months on balance transfers) and then start paying down the credit card before doing anything else (having it paid off prior to the introductory 0% offer expiring).

You may also look into taking a "loan" from your 401k at a low rate.

I don't think any financial adviser would tell you to withdraw from your 401k early.

I hope this helps

~Mark