RSP CATCH-Up line of credit. Good or bad idea?

So a bank has offered me 15k at 4.95 interest. Obviously there are some good stocks that payout more than that (although dividends rates are never a guarantee.) I have room in my RRSP to put the money too, so I’d get the kick back from the government and use that to pay off the debt. The rest I’d have to payoff bit by bit. So I’d get more money with time in the market at the cost of an immediate debt. What do y’all think?