By reading all of this and playing with it myself, it appears that they have basically capped the T-Mobile card. With the rolling 24 hr clocks, you can load 2 per day but then can't transfer them to your card for another 24 hours. If that process repeats itself throughout the month, I would assume the cap is $15k per month. Most people however stick to less than that per card, but that is what I figure to be correct until we have more data.