You can't pay for the fund by credit card. Once monitored by the bank, the credit card may be frozen or even blocked. Moreover, it is clearly stipulated in the regulations on the use of credit cards that they cannot be used for investment, so it is illegal to buy funds with credit cards, and banks have the right to impose relevant penalties on illegal credit cards.

Funds are non-guaranteed wealth management, and there is a risk of principal loss. It is also very irrational to invest with the money in the credit card.