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Consider too, that if you are already in a bit of a hole, you need to carefully manage the risk of further 'digging'. A higher risk play for 'catchup' could be bad news.

I think you need to consider managing risks to your position. I would pay off the credit card, but leave the facility open so that if you have a short term emergency (you would have handled with cash) you can use the credit card. Don't get too worried about your next investment until you...