back 10+ yrs ago, there were multiple benefit cc's that matched each other in treating balance transfers the same as a charge...for 3 or 4 months, i would charge everything to card 1, pay it off w/ a xfer check [iirc] to card 2 , etc...i didn't consider it fraud because it was announced & i was doing what they were promoting....however, i knew that their goal was to get interest on the xfered bal's & thought "make hay while the sun shines].