Credit cards caught on to this around 2010 or so. That’s why balance transfers always have a fee now. You could do this with either balance transfers or cash advances, both of which have fees now. So you’ll end up increasing the balance by 3% each month.
Also WoD:
Player: I’m a mage I’m literally changing reality, I will cure that vampire.
System: vampirism is a curse from God, do you really think you can roll more successes than God?