My suggestion is to draw down your savings to pay off a credit card, but only if you have at least 4-6 months worth of expenses saved set aside already. That money should not be touched. If the stuff hits the fan and you have to decide between eating and paying off the credit card, you may have no choice but to default on the credit card loan and use every penny to pay your living expenses.
“My suggestion is to draw down your savings to pay off a credit card, but only if you have at least 4-6 months worth of expenses saved set aside already.”
Illogical. Pay off the credit card and use it for emergencies until your 4-6 months savings is built. Then dump the card