I see. Then suppose you put x dollars into 401k, they match another x dollars. Can you withdraw the 2x dollars to pay your cc first?

first calm down. You can’t find a way to deal with it without sanity.

second, your financial management is not quite right… not sure why you put money into 401k given your cc rate is 20%. Can your 401k brings you any higher than 20%?

possible solutions, get a 0% intro apr cc And transfer balance to that card. Try your best to pay off the 0% card however you can! Selling car or get extra job or 401k withdrawl or borrow from friends. Key point, lower your rate!!!