Is it better to use a credit card or 401k loan?

I need a new roof desperately. My ins. co. already paid for this and I used the money for an airconditioning unit last summer. Anyway, we just had tornados go through our subdivision last night and I lost a lot of shingles for the 4th time in less than a year. It is high time to replace the roof. Do I put the cost of a new roof on a credit card with 10.4% APR which already has a balance of about $3000 or take a loan or cash out of my 401k? BTW, that credit card isn't the only one I have. I have a couple others that I haven't used in over a year and I am doing so well paying them down. I'm trying so hard to get debt free but something ALWAYS happens that sets me back. I swear I will never get ahead!!