The following is not investment advice, but for reference only. Please consult a professional financial advisor or investment consultant before investing to ensure that you understand all the relevant risks. Using credit cards to increase investment leverage is much riskier than traditional financing methods because it involves high interest rates, fees, credit risks, and possible violations of credit card usage rules. The following summarizes several "more discussed" operation methods in the market and their risks and limitations, but please evaluate carefully before implementation: 1. Cash Advance • Method Description: Many credit cards allow cardholders to withdraw cash, which is actually using the credit line of the credit card to obtain funds for investment. • Risks and costs: – Cash advances are usually accompanied by high annual interest rates and one-time handling fees. – Unlike normal consumption, cash advances start to accrue interest on the day of withdrawal, and some credit cards have no interest-free period. – If the investment fails to generate the expected return, high interest and fees may quickly erode the principal or even cause debt deterioration. 2. Cash out or use credit card "points, cashback" schemes • Method description: In some countries or regions, there are ways to convert credit card benefits (such as points, cashback) into cash through legal means, and this cash can be used as investment funds. • Risks and costs: – In most cases, this conversion ratio is low, and it is necessary to pay certain procedures or meet specific consumption requirements before it can be redeemed. – At the same time, if you increase consumption to meet the redemption conditions, it may cause unnecessary financial pressure. 3. Use credit card installment payments or similar products to obtain relatively low-interest financing • Method description: Some banks or financial institutions will launch products such as loans and installments in conjunction with credit cards, and their interest rates may be lower than direct cash advances. • Risks and costs: – The product design usually has a fixed repayment plan, which is not flexible and may require guarantees or strict audits. – Even if the interest rate is low, the long-term repayment plan may result in a total interest expense that cannot be ignored. – Some products explicitly prohibit the use of funds for certain high-risk investments, so it is necessary to check the terms of use. 4. Transferring funds from a credit card to a special leveraged investment account • Method description: Some institutions may accept credit card funds and then invest through a "leveraged trading platform", but such operations often have the risk of insufficient supervision, and the platform security and transaction transparency are difficult to confirm. • Risks and costs: – Such platforms may involve illegal or illegal fundraising, and the regulatory risk is relatively high. – If you use credit card funds to participate in leveraged trading, once the investment loses money, the loss not only includes the principal, but also may default on high handling fees and credit card repayment obligations. In addition, there are a few points to note: • Credit card accounts are usually "interest-free consumption tools" rather than long-term loan tools. Using them for leveraged investment often breaks the principle of matching capital costs and risks. • If the investment direction loses money, you may face investment losses and credit card penalties such as high interest rates and late payment fees, which may eventually lead to damage to your credit record. • Banks and credit card institutions generally do not encourage or allow the use of credit card funds for high-risk investments. Illegal operations may violate the terms of the contract and further trigger legal and credit risks. In summary, although there is discussion in the market about using credit cards to obtain leveraged funds, due to the high costs, strict usage restrictions and potential risks mentioned above, such operations are generally not suitable for most investors. The more common way to increase investment leverage is to use the margin account of a securities company (i.e., margin trading business) or apply for a personal loan with a lower interest rate from a bank. These channels have a more complete risk warning and regulatory system. Reminder again: Using credit cards to finance investment requires careful consideration of one's own financial situation, risk tolerance and research on investment targets. If you are uncertain or your risk tolerance is insufficient, be sure to give priority to a stable investment method and professional financial planning.