I've gotten nearly 30 cards in the past 12 months. I got 7 new cards under my dad's name a few weeks ago. Having to spend $28K in 3 months is a bit beyond my family's combined regular expenses, however, so I'm looking to this site for some tips (have never needed to use MS before now). The CVS->PO->Bank option looks simple enough. I'll definitely research the particular thread for this method more thoroughly before going full steam. Thanks for the help!