I hate to spend money I don't have and don't recommed the credit card route.
Why give that money to a credit card company, they already have tons of it?
I'd upgrade the bike, then save your money and buy a frame and swap the newer parts over.
__________________
"Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming, "WOW, What a Ride!" - unknown
"Your Bike Sucks" - Sky Yaeger