Investing is not illegal, but using a credit card to cash out investments is not. According to relevant regulations, "cash out of credit card" means that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but uses other means to withdraw the funds within the credit limit of the card in the form of cash without paying the bank. The act of withdrawing fees is an illegal act. The central bank also recently issued the "Payment Business Risk Warning - Strengthen Review, Improve Management Level, and Prevent Online Credit Platform Risks", requiring relevant institutions to strictly prevent credit card overdraft funds from being used for online credit. Banks have also stepped up supervision of cash arbitrage and will take corresponding measures when discovering abnormalities in cardholders' transactions, such as freezing cash out funds or even freezing credit card accounts.