I think Zell's mama only play card after you defeated Fujin and Raijin
(You can only get Zell Card that time)
If you wanna get Punishment,play with Card Queen and get "All" Trade rule(Winner take all cards).
A person have middle Level Card ? Hm hm you should try out if you can play with CC group at this time(play alot in Balamb Garden then ask one member to play)