Taking money from your retirement savings should be a last resort. As I see it, you have two real options. If you can pay off your credit card debt and trust yourself not to run the balances back up, check into a low interest debt consolidation loan. You can pay off all of your cards and be making one monthly payment. Your other option is to simply pay off the cards. The best way to do this is to tackle the cards with the highest interest rates first. You should make at least the minimum monthly payments on all your cards, but pay as much as you can to the card with the highest rate. Continue to do this until the balance is paid, then move on to doing this with the next highest rate card. It's a slow process, but honest, and you won't hurt your credit by doing this.