Credit card would be best to pay off. Always remember, revolving credit holds a big junk of weight on your credit score over any other credit you may have. Just to give you an example: I never needed credit before so just decide to get some, don't know why, just did. So, I went out and financed a car for $20,000.00. I paid the car for 6 months (because that is the time it takes to get fico score) on the 6th month I paid down 97% of the loan just leaving a little balance to sit on my credit a little longer to help me get a good score. So now, my debt to credit ratio is only 3% NOT 100% AS it was when I financed it. So, to continue to help my credit, I went to get a cc. Got one through HSBC (orchard bank) with a $300.00 credit line. I used $268 of the credit so I can show activity on my report. Well, even though I paid 97% of the car loan, my fico came in under 600 all because I used about 89% of my revolving credit! It was as if my car loan and the low balance was never there! Who would have thought that by me useing B.S. $288 on a $300 cc would have more weight then me paying down 97% of a $20,000 car note in just 6 months. Go figure!!
I hope this helps. Always keep cc balances low, if not, I will bite you were the sun does not shine, ouch!!