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It never hurts to look (so long as you keep that knowledge to yourself and never make threats about it without a position already lined up). In fact sometimes I look when I'm not even serious about leaving. It helps me keep fresh in interview skills, refreshes my memory about the wide array of work I've done, and reminds me of all the successes I've had during my professional career.
In your situation I would first realize that the credit card debt isn't really tied to your job at all and looking at it as if the job is keeping you from managing it isn't the best route. Then I would go back to the boss to intelligently and formally inform him the reasons you believe the department isn't working as efficiently as it should and that a project manager would help the situation. If you make a good case maybe he'll beging thinking in that direction. If not, you've done all you could do to rectify the situation. I would then begin acting as a project manager as best I can to move things forward. Once you get some wins by stepping up like that, hit him up for a new title and commensurate pay. Salary jumps are typically greatest when you change positions and titles into more responsibility.
Good luck.
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Strive to be more curious than ignorant.
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