Pay off credit card debt or Invest?

Credit card debt is the most expensive form of borrowing.

When you purchase using your credit card, the interest charged is 2-3% a month (or 24-36% a year). Credit card companies charge high-interest rates to protect themselves if you accumulate a lot of debt or you never pay them back.

Hence, they come with high-interest rates and a small minimum balance that needs to be paid every month, making you unable to save. 

Therefore, paying off the credit card is a better decision than investing the same amount as a decent investment would fetch you 12-18% returns but beating a 36% interest rate with this investment could be very difficult.