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Hmmm, tough situation, and well beyond the scope of just tax advice. While you can probably get a better rate from the IRS than the credit card offer (I think), debt owed to the IRS is to be avoided when you can afford to pay it off, which you can. However, doing so will take a chunk out of the emergency fund which you very much expect to need soon, to what extent is unknown.

While there's no correct answer, I would tend to use the credit card in this situation, being incredibly paranoid about minimum payments made well in advance, and paying it off as soon as you finances are back in any sort order. What you just never want to do is find yourself in a situation where you cannot pay off the CC immediately if need be. Given that, using CCs are a tool intelligently is not a bad idea.
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