ok, so, after reading much, here's my plan. Tell me what's wrong with it, please. I'm going to open a bluebird account. After i have my bb card I'll buy $1500 worth of vanilla reloads each month with my miles-earning CC, and transfer this "vanilla money" from vanilla to bluebird. then I will authorize bluebird to send a check for $1500 to my mortgage holder each month. Yes??