Is bankrupt a better way to go than not paying your credit card?

You need professional individual help: The actions your using can't really be compared as you is not a borrowers choice of one or the other. A person...not a debt...goes BK. Going BK may delay, but won't avoid and many collections...owing doesn't change your ability to go BK....they are both terrible is not better or is entirely situational.....their effects on your life, assets, work, etc can be felt for many, many years.
Bankruptcy effects all your assets and debts...not just the credit card.