Is the money in a Traditional or a Roth? Is it just you, or you and a spouse? What's the total CC debt you want to pay off?
If you're in a Roth, better but not required.
If you're married and your spouse has money in an IRA, that doubles the amount of money you can run thru this plan.
Open a Roth and move some IRA money over to the Roth. If you already have money in a Roth, then you won't have to worry about paying taxes on the conversion from Traditional to Roth. If you don't have a Roth, then you will have to pay taxes when converting the money to a Roth, but in a Roth you don't pay taxes on your earnings when you later make qualified withdrawals. Absent your debt situation, Roth conversions a lot of sense the younger you are.
Take an unqualified withdrawal from the Roth, use it pay down your CCs, refi, then use the money outta your mortgage (I presume you're doing a HELOC) to contribute to your Roth--up to $4K, $5K if you're 50+.
Take a look at Worksheet 2-3 in Publication 590.
Basically, you can withdraw $4K from your Roth, contribute $4K to your Roth during the year, and you pay no taxes on the distribution. With a spouse, you could each do $4K.
Under this plan, you aren't subject to the 60 day rule on rollovers. You just have to contribute the $4K in the 2007 tax year. Heck, you could withdraw $4K today from a Roth, then contribute $4K to a Roth in December.