system
A chat on subreddit /r/wallstreetbets
human
Signing a 18 month 0% check to yourself is not fraud. It is a check.. is can be used for anything. It isn't only for balance transfers.

gpt
One could argue that for tax purposes, that is moving money around, but other than that I guess you're right. 
  
 Which means if I understand this correctly it's actually tax evasion. 
  
 Disclaimer I probably don't understand it correctly