Credit card is a kind of consumer credit tool. Cardholders can use credit cards to spend first and then repay, discount consumption points and withdraw cash by overdraft, but they can't be directly used for investment or even cash installment. All banks stipulate 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 to apply again.

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 is uncontrollable. Once the repayment cannot be made normally within the time limit, it will face a "snowball" increase in interest, which will eventually lead to irreparable holes in funds and heavy debts.