Does your income exceed your expenses consistently?
Are there higher charges (penalties, late fees, interest rates) than the 8.9% that you will pay if you are short of cash?
How much cash is in this "emergency" fund?
You should pay the credit card unless doing so makes it likely you will face a higher cost than the 8.9%.
If your income does not routinely exceed your expenses, you need to fix the underlying expense (or earnings & expense) issue.
Anyway, congrats on courageously posting. Go on and knock down that debt!
PS. Remember, once you pay off a card, they usually offer you more credit. You're not likely to lose a lot of options by paying off the card.