Should I refinance the house to pay cc debt?

100% permanent and total. Bought a house last year in Colorado Springs using Va loan at 6.125 for 500k. I have 30k in credit card debt that just started collecting interest. Thinking about refinancing the house to try and get whatever little equity I have out to pay the credit cards. I’ll have a higher payment and rate but I can always do an irrrl when rates go down again. My credit might take a hit from a refinance but it’s already getting fucked from the utilization rate. I don’t have savings. I don’t see myself making more money anytime soon. I make 70k a year but my expenses are ridiculous and I also don’t see how I can significantly lower them. I know it’s a pretty dramatic option to take and I’m an idiot for getting myself 30k in debt but I don’t really see any other options.