In an Emergency, what is the best option? 403b or Credit Card Advance

[inneedofhelp]

As my savings is slowly being depleted (I thank God for keeping my head together and not freaking out too much), and I no longer have the 3-6 months of emergency savings, I wondered....

What would be the best option for paying my bills and rent? Go into my 403b plan, which currently has a value of around $17,000 or so, or use a credit card advance, from cards that have the default apr if I choose to use them, of around 24-28%?

On percentages, it seems like the credit card would be a worse option, but when I use calculators related to 401k withdrawals, it says that withdrawing early could cost me around $70,000 is lost value!

Of course, I am hoping to never have to make this decision, and I am waiting for my tax refund and an additional part-time job to start building back up my emergency savings.

What would you do in this situation?

[sk24iam]

If you have good credit, at the time of the emergency open a cc that has 0% apr for one year. THen just pay the minimums and pay no interest. Hope that lasts until you get a new job or resolve whatever issue you have.

[inneedofhelp]

While I have fair to good credit, I am not eligible for additional credit cards.

[creditcardfree]

Honestly, I think I'd go with the credit card. I'm one that doesn't think it is wise to dip into any emergency fund. The interest rate alone will most likely motivate you to keep the amount you borrow to a minimum. It would me.