In the wiki, what's considered a "short period of time". For example, if I sign my wife up as a "teen" on the TD card today with her social, how long do you recommend waiting before I sign her us as a primary and me "teen" on another TD account? How about a different issuer, NW?

quick question. I've been calling around to see who does MOs since I don't have an accessible walmart around me.

A lot of places told me cash only, even with debit, but Western Union said they would do MOs and take debit. When I asked how much they charge for MOs, the lady said they don't.

Does anyone have any data points for Western Union? I still need to wait for the card to show up before I try

I think the csr is misinformed - there is no way Western Union does free MOs. If true, it would be the #1 FT topic and most abused method (or the best kept secret).

I have 3 cards. Wife is the parent and I am a "teen" as are my two kids (early 20s). I would love to set up more, but this has been a nice little avenue. I am hesitant to risk it. I did each application about 1-2 months apart. I've had all three going for about 2 months I believe.

They advertise free MO, but they only take cash in my experience

All WU near me accepts cash only for MO which makes it a no win for me there.
I also have no WM anywhere near where I live in NYC so also a no win for me with that one.
Also as the third strike, I have no USB anywhere near where I live in NYC so cant unload via ATM.
Talk about a no win situation.

Anyone with good tips to unload in NYC can PM me as I will appreciate it.

Why not set up another acct with you as the parent and wife and kids as teens (spread out over 6 months or more). This way you could charge your CC to load the teens accts and benefit from the miles.
With your current set up with your wife as the parent then only she will benefit from using her CC to load the teens cards and not you.

Very true and I have thought about that, but again am concerned about raising suspicion. I know some people have mentioned they have done this and it could be another avenue. I have 4 BB as well and right now, I'm at a level that is comfortable. 2 years ago,
The credit card use is not really an issue. I rotate between a few different cards.

Just a little FYI from the FBI. No go on the Commerce mySpending card.

Why what happened on the commerce card?

Is the 30-day $3,000 limit for each TD Go card, as in, can I load $3,000 on each card, or is it per account, as in, can I just load $3,000 combined over two cards?

Once I signed up for an account, it can only load with Commerce Visa or MC. No option to select generic Visa or MC

3K per card

The warning on creating accounts too fast is only for same SS right? As long as you have multiple SS to input (i.e. family) you are fine to create multiple teen cards, right?

VISA Buxx
 

Think of it from the perspective of the bank. Do you think it would see your actions as legit? Probably not a problem.