Looking at your wallet, I'd say you don't have tons of revenue to acquire for the moment, even if you want to pay for your credit card... If you want to allow for Steem and SBD to come into your wallet as quickly as possible in order to use it to pay off your credit card. I'd suggest posting a lot of quality and go with the 50/50 option as, at least this way, you get half of the reward in usable/tradable Steem Back Dollar! Especially now that the SBD is so high in value, you'll be able to make a lot of "cash" quickly. Meanwhile, the other 50% goes into the Steem Power to uplift the Steemit platform, sort of like a back up for the whole ecosystem to be supported safely thus not having to worry about dropping like a bomb. The people invested can't suddenly withdraw and leave with a large chunk or all the assets of Steemit.com! Notice how the so-called 100% refers to the Steem Power? That means that if you click this one, you end up investing everything into the platform and don't leave yourself any space to maneuver with liquidity Steem or SBD. Using the 50/50 is the best option in your case and, as an investor myself, find it very useful to have some extra cash to reinvest into what created the possibility for Steemit.com to see the light of day: Thus, I reinvest into cryptocurrencies that are its relatives and, more often than otherwise, I choose to invest it into BitShares.

How's that? I hope it shed some more light on the nebulous vision that you had earlier... Namaste :)