The best replacement for credit card debt is 401k.

The best alternatives to credit card debt are rated as following:
★★★★★  401k
★★★★★  student loan debt
★★★★  personal loan
★★★  savings
★★  home equity loan
★★  car loan
★★  mortgage debt
★  invest
★  loan debt
★  save money
★  car loan debt
★  retirement savings
★  saving
  401k loan
  student loans
  heloc
  contribute to 401k
  loans
  saving money
  installment loan

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credit card debt
401k
student loan debt