Credit card is a consumer credit tool, which can be used by cardholders to spend first and then repay, to discount consumption points, and to withdraw cash by overdraft, but it cannot be directly used for investment, even in cash installments. All banks have stipulated that the credit card cash installment business provided by banks shall not be used for investment projects, such as house purchase, stocks and futures. If the cardholder breaches the contract, the bank has the right to ask the cardholder to pay off the installment balance in one lump sum, and has the right to refuse the cardholder's re-application.

If you want to use a credit card for stock trading, you can only withdraw cash, but the capital cost and time cost of stock trading may be greater than the profit of stock trading. At the same time, this dangerous investment risk can't be controlled. Once it can't be repaid normally within the time limit, it will face a "snowball" increase in interest, which will eventually lead to an irreparable hole in funds, resulting in heavy debts.