answer:Not to try to find new ways for you to go deeper into debt, but is it possible to secure a home equity line of credit? Be advised that that (if you can get it) is a lien against the property that can be foreclosed in the event of non-payment, but it should come with more favorable terms: lower interest rate and longer term to pay, which would apparently benefit you. In general, the less credit card debt you carry, the better. That is nearly always going to be paid at a high rate, plus it compounds monthly, so the amount can (conceivably) climb faster than your ability to make the monthly minimum payments, which will nearly always lead to bankruptcy. Especially if your savings are earning near-zero in interest, there’s no good reason to maintain that savings balance if you’re having trouble paying the card payments. So: 1. See if you can get a home equity line of credit – for the home / roof repairs only! Don’t use this as another way to buy anything that isn’t related to keeping a (sound) roof over your head. 2. If that fails, then place as much of your savings as you are comfortable with (the max possible) toward the repairs, and the balance on the credit card. 3. Pay off your credit card – in full! – at the earliest possible time. At the point where you can treat the credit card as just an extension of your checking account – meaning “paid off in full and balanced each month” – you will be then be able to save money again.