Investing in P2P with a credit card at zero cost earns tens of thousands a year, which starts with the operation of P2P investment: the investor recharges with a bank card, goes to a third-party payment institution that cooperates with P2P, then matches it through the P2P platform, and then lends the funds to the lender. Generally speaking, P2P platforms use third-party payment to do fund custody. Only when there is an independent institution to trust funds can investors dare to invest with peace of mind. If you recharge with a savings card, there is no problem, but if you use a credit card, it is equivalent to investing with the bank's money. The money earned belongs to the investor, but the expenses are borne by the bank. Credit cards have a 50-day interest-free period. As long as cardholders choose the right products, the annualized rate of return of P2P platform can reach 20%, and they can earn 10,000 yuan a year, seamlessly docking. Based on this consideration, credit cards should not be used in non-consumption fields such as production, operation and investment.