I finally got this to work...
If anyone is having problems, this is what I had to do..
after opening Root Explorer and going into the /cust folder, look at the top right of the screen. There should be a small gray box with MOUNT R/W printed. Press that. It should change to MOUNT R/O.
All my apps already had the Permissions correct, so I just deleted all the apps.. I still have Mail@Metro, Navigator, and metroappstore.. I'm about to delete those too and see what happens...
After I deleted the Virtual Card, I started getting a FORCE CLOSE loop.. If you're quick enough, you can power down your phone in the half second between force closes, and then just turn it back on, and everything should be fine... I'm guessing you can just remove the battery if ya can't hit the power off option in time.
Now... Onto making this phone awesome...