The so-called credit card to buy funds is actually to buy funds with credit. Credit cards advocate overdraft consumption, but do not encourage cash withdrawal. Overdraft consumption enjoys an interest-free period of 20-50 days, and withdrawal is not only not enjoyed, but also interest is paid. The correct way to "buy a fund by credit card" is to use your own bank deposit to buy a fund, use a credit card to go to the mall for consumption, and redeem the fund to pay off the debt before the final repayment date, so that overdraft consumption will not generate interest, but the income generated by redemption of the fund is actually obtained by using the interest-free period of the credit card. If you don't spend money, it is no problem to buy a fund with a credit card.