Bro you need to pay that shit off with the money in your "investment account." That's atrocious.

Wtf are you invested in? Nothing gains like that unless it is ridiculously risky. If it's risky, you do not want to invest money that you will need in a year in it.

Why continue to use credit cards with the evidence so clearly indicating that you struggle to manage your debt?

For most, the biggest barrier to home ownership is the down payment. How are you going to save for a down payment if it is going to take you +6 months to pay off $7k?