This is actually good news. I was thinking about getting my mom to open me an AP account. She already gave me access to her BB. I currently use AP to my sister. I have access to her AP account to deposit the money to her bank and then she just sends back to me. So now I think I can do Me->Sister->Mom->Me and use Amex GCs which won't require their real credit cards. For me and Mom, I would have the money instantly. However given the note in the wiki, I was thinking that maybe I could do $3k Amex cards on the accounts so I would only have to switch out 4 times a year.