Using credit cards to increase investment leverage is a high-risk behavior that requires careful assessment of personal financial status, risk tolerance, and compliance. The following are some possible operating methods and precautions. They are for information reference only and do not constitute investment advice.**： --- ###**1. Direct method (high risk)** 1. **Credit card cash out investment** -**Method**: Convert credit card credits into cash through fake transactions (such as POS machine cash out) or third-party platforms for use in highly volatile assets such as stocks and cryptocurrencies. -**Risk**： -Violation of bank terms may result in derating, card blocking or legal risks. -The annualized interest rate on credit cards is usually as high as 18% or more. If investment losses or gains are not as high as the interest rate, the debt crisis will be aggravated. 2. **Balance Compensation (Balance Transfer)** -**Method**: Use the “low-interest/interest-free period” balance transfer service provided by the bank to convert credit card debt into low-interest loans and release cash for investment. -**Risk**： -Interest rates soar after the end of the interest-free period, and it is necessary to ensure that the investment principal and income are recovered within the period. -Most banks prohibit the use of compensation funds for investment. 3. **Credit card installment cash** -**Method**: Apply for credit card cash installment and put the installment funds into the market. -**Risk**: The actual annualized interest rate of the installment handling fee may exceed 10%, and the cost needs to be covered by a stable return on investment. --- ###**2. Indirect method (compliance operation required)** 1. **Substitute for daily consumption** -**Method**: All daily expenses are paid by credit card, the original cash is used for investment, and the interest-free period of the credit card (usually 20-50 days) is used to obtain short-term capital occupation. -**Key points**: Strictly plan cash flow to ensure repayment due and avoid overdue. 2. **Points arbitrage** -**Method**: Accumulate points through credit card consumption to redeem gifts, air miles, etc., and then resell them into investment principal (compliance channels are required). -**Restrictions**: Arbitrage space is limited and may violate the points policy. 3. **Replacement of operating loans (qualification required)** -**Method**: Maintain cash flow through a credit card, and at the same time apply for a low-interest business loan (business license and other qualifications are required) for investment, but pay attention to the supervision of the use of funds. --- ###**3. Extreme Risk warning** -**Leverage superposition effect**: If the investment loses money, it may face a snowball of debt and shrinking assets at the same time. -**Credit bankruptcy**: Overdue will affect personal credit reporting, and future loans and employment will be restricted. -**Legal risks**: Some operations may involve financial fraud (such as false transaction cashing out). --- ###**Fourth, alternative suggestions** 1. **Low-risk leverage tools**： -Broker-dealer margin financing (qualification required, leverage ratio is regulated). -Home mortgage (interest rate is low, but real estate mortgage is required). 2. **Increase income and savings**: Increase cash flow through the main business or side business, rather than relying on debt investment. --- **Summary**: Credit card leveraged investment is only suitable for a very small number of professional investors who can withstand high risks and have strict stop loss discipline. Ordinary people should give priority to reducing investment costs (such as fixed investment in index funds) and debt management to avoid financial difficulties due to leverage. It is recommended to consult a licensed financial adviser to develop a personalized plan.