You have to pay it back… one month later. You can keep your own money safe and invested until then. And you don’t have to pay any more if you pay it on time.

The bank wants you to use credit because they get paid by the merchant every time you do.

> You have to pay it back… one month later. You can keep your own money safe and invested until then.

But if you're doing this every month then the advantage is what? ~$3k invested somewhere? It's not worth the extra effort for me.