<prompt> Human: I opened a 0 APR credit card in September to help cover costs while I did some traveling between jobs. I racked up a balance of 8500 on it. I could pay that off now, but it seems like I might be missing a smarter opportunity. The balance doesnt begin accruing interest until December. Is there a way I could invest the 8500 that I could use to pay the balance, and then reclaim the 8500 interest in December? It would give me some amount of money in interest that I wouldnt have if I just paid the card off now. Or is this crazy?I know letting that 8500 sit on my credit history isnt great, but my utilization is still under 30, and I dont plan on making any purchases in the near future that require good credit. Thanks for your input!  <response>: Investing on borrowed money is risky, especially on credit card. Keep it in a bank or pay it off. 