You are far, far away from being able to retire. If you can't pay off your credit cards while working, what makes you think you'll do any better living on a fixed income? It sounds as if you are most unlikely to get signficant COLAs, so your $25,000 pension figures to lose most of its purchasing power over the years. I am highly skeptical that you will even be able to "scrimp til SSA @ 62", let alone fund anything close to a comfortable retirement for the next three or four decades.
In your situation you should be actively looking for a job that you will be able to tolerate until you really can retire. And, with or without a different job, you urgently need to get your debt under control, live below your means, and build some emergency savings.