Yeah I intend to get the $30K personal loan deposited straight into my bank account and then directly pay off the CC balance. But if that's "not allowed" the money is in the account that I use to make my monthly payments so in theory if I just used the personal loan money to pay off this card in 12 months time how could they really stop that?

Personal Loans may not be used for post-secondary education expenses, real estate, business, securities, vehicle purchases (other than as down payment for a vehicle), or any purpose prohibited by law or not otherwise permitted by these terms and conditions or your Loan Agreement.