Credit card debts are a pain...... the more time you take to repay the more the fine is imposed.
However for a Qatar RP to be stamped on your passport you need to get you UAE visa cancelled and it will not be cancelled until you clear you pending dues....so i dont see any other way of you getting a Qatar RP other than paying back you credit card dues and sending your passport to you previous company for cancelation.

Aana free, jaana free,
Pakde gaye tho khana free.