Get out her statements show her how much the interest is costing her then explain that she can still make the payments to herself (at least the income portion not the portion she is pulling from savings). Calculate how long it will take here to replace what she pulled. Use this link to calculate how long it will take her to pay off the credit card like she is.
http://cgi.money.cnn.com/tools/debtplanner/debtplanner.jsp The idea is to prove to her how long it will take to pay off the credit card under current conditions versus how long it would take to replace her savings if she makes the payments to herself. Through these calcs you should also be able to show her how much the debt is/will cost her.