I was able to get all the cards in disk 3....... If you don't get em all, then in disk 4, try to find the card queen...... she will have all the cards that you need to have em all(ie. all character card too)......... but you have to play and win her to get the cards..... Plus every rule is used while playing her....... Very hard... she is on a southeastern island....... you cant see her on the map....... just walk around and you will enter a crash site with her in it.......