<prompt> Human: I have around 20,000 in credit card debt. I bought a place last June, and between renovations and buying all the necessities, I now have this debt. Im getting hit with interest charges on a few cards every month. Also, two of the cards are 12 month 0 financing...so after those 12 months July, Ill get hit with a 22 interest fee on about 14,000. Im thinking of taking a withdrawal out of my 401k and paying off all of the credit card debt I have. Im in NY and under 59 years old, so Ill get hit with an early withdrawal penalty, but at this point I just want this weight off of my shoulders. My social life is starting to be affected as well as my peace of mind. Am I making the right decision? Are there any tax implications I should know about before I withdrawal? Any help would be appreciated.  <response>: Short answer: No.Long answer: It depends on all the numbers you left out, but still most likely, no.Try a 401k loan, or a home equity loan with a low rate. 