"I'll be happy to take my money out and pay down my credit outstanding...."
If you have credit card debt at 20% or similar, you're always better paying it off rather than putting money into stocks. Why? You have to make well over 20% per year to cover the interest, not to forget you need to pay tax on any stock market profits. The part that takes the real discipline is to not use the cards or cut them up when your balance goes to zero.
I think your time to invest is coming soon. Good luck.