PayPal 24 months 0% credit as an investment

Hello, when I opened PayPal I noticed that there was currently a promotion. You can apply for a digital credit card for in-store purchases with up to €6,800 and 0% interest. I just tested it with €400 and 3 months and it was activated immediately. If you assume positive developments from the MSCI World or something similar, then it is actually a waste not to use this loan and invest in an ETF. The only problem would be that you do this