Normally I don't recommend using retirement funds to pay off credit card debt. First, if you cash in retirement funds early you'll pay taxes and a 10% penalty which makes it a more expensive way to pay off debt right off the bat.
In addition, retirement funds are generally protected from creditors. And most consumers who contact me aren't in the relatively strong financial position you are in.
I still provide the above warnings in your situation. However, another option for you may be to borrow against your retirement funds to pay off the credit card debt. If you are about five years from retirement, then you could have that debt paid back by the time you retire.The interest rate will likely be lower than what you're paying on your cards right now, and you will be paying interest to yourself. The downside is that money will be out of the market during that time. Of course, that may or may not turn out to be to your advantage!
If you are in the position to pay back your debt without having to tap your retirement funds, that would be the ideal situation. I am sure you've looked at it a number of ways, but you may want to check out the Zilchworks.com program to create a repayment plan. (It's not my program and I get no referral fee for mentioning it to you. I just happen to think it's helpful.)
Good luck - I am optimistic you can retire with those credit card debts retired as well.
