I would like to ask your opinion on the option below.

My friend has a credit card debts amounting to RM10k. However, recently his company paid bonus to him around RM13k.

So he is in dilemma should he:

a. Pay lumpump the credit card debts; or

b. Get an ASB certificate for RM10k and apply overdraft, the money can use to pay the interest and invest in stock market actively.

My advise to him is to pay lumpusum the credit card debts