<prompt> Human: Is it illegal to use something like Stripe or god forbid Paypal, to process a 500 credit card transaction to yourself to then pay another credit card that has a high APR? It seems to me that its a loophole of sorts. The fee essentially comes out the same 2.7 - credit card swipe vs 3 balance transfer fee and the only reason I ask is Citi doesnt allow CITI to CITI balance transfers.  <response>: You can achieve the same effect by getting one of those Citi balance transfer checks. They send them to me all the time. Its a blank check and you can make it out to anyone. Make it out to yourself, deposit it in your checking account, pay off the other Citi card. I did this the beginning of the year to quickly get rid of some CC debt. 