I guess the general rule of thumb is whether your returns on investments (ROI) are able to cover the interests on your debt.

Assuming I have $10k in credit cards debt with an interest rate of 24% and I have $10k cash in hand. At this point my net worth is $0, as the $10k cash (asset) is cancelled out by the debt I have. The simple interest that I will be paying for my credit card debt is $2.4k per year. I will then ask myself if I can make more than $2.4k returns from my $10k cash.

Let's say I am able to generate a whopping 50% returns from my $10k cash somehow. At the end of the year, I will have $15k cash and $12.4k of debt. My net worth will then increase. However, if I am just able to generate 10% return, my net worth will turn negative.

As for Crypto.com interests, they are paid in kind. In other words, if you stake MCO, you get MCO back as interest. But your credit card debts are in fiat terms. That means even if you can generate more % interest from your MCO compared to the credit card interest, your net worth might still reduce if MCO's price falls against fiat. Essentially, this complicates your decision making process.