flu, I totally agree. I too used credit card to “invest” in the past. around 2004-2006ish, I got about $30-50k in 0% balance transfer and stuff that in a 1 year CD that makes 6%ish at the time. So, after a year, I have $1800-3k to spend. When the balance transfer deal expire, I just return that money and keep the $1800-3k.