Should I Invest $10K From a 0% APR Credit Card Into Index Funds? (Unemployed Right Now)

Hey all,

I'm considering doing something a bit risky and wanted some honest feedback.

I have a 0% APR credit card with a $10,000 limit and an 18-month promotional period before interest kicks in. I was thinking: what if I invest that $10K into a broad index fund like VOO or SPY?

The logic is that the market *usually* trends up over time, and I could walk away with a few hundred to a few thousand in profit before paying off the card — assuming I sell and repay the balance before the 0% period ends.

Here’s the catch:
**I'm currently unemployed.** No steady income right now, though I’m working on it. I don’t have any major debt, and I’ve got a small emergency fund — but not enough to cover the full $10K if the market tanks.

Also — does anyone know which **brokerages are safest** when using a credit card for funding? Or is that not even an option? I’ve used Fidelity and Schwab before with bank transfers, but I’m not sure how this would work with a credit card.

I know this is a gamble and not for the faint of heart. But I’ve heard stories of people using 0% cards strategically, and I’m wondering if this could be one of those situations… or just plain reckless given my current status.

**Any thoughts or advice?** Would love to hear from anyone who’s tried something similar.