[3] Ted Forrest (Richard E. Butler), who works for the Dynasty Club, is murdered by Keith Heading (John Diehl) and his men on the street.

When Johnny meets Amber Evans (Stacey Dash), he tries to impress her by obtaining an honest job at the company where she works—Dynasty Club, a credit card firm.

He develops a scheme to commit identity theft with the credit card information of deceased cardholders to which he has access due to his mailroom position.

Lieutenant Walsh (Joe Santos), who was once the partner of Johnny's deceased father, asks Chris questions about Keith.

With Seymour's help, Johnny charges large amounts of money to the cards with the intention of impressing Amber.

Keith is head of security at Dynasty Club, and he also runs a virtual stolen credit card operation.

Michael Wilmington of the Los Angeles Times recalled that "there are amusing things in 'Mo’ Money'—the chemistry of the Wayans team, the paterfamilias routine of Joe Santos as a good cop, the piquant sexiness of Stacey Dash—but they get steamrollered by all the high-tech crash-bang movie machismo.

"[6] The New York Times' Janet Maslin wrote that "the film would have been helped by more directorial spark than is supplied by Peter MacDonald, who is effectively stumped by the screenplay's split personality.

Some of the material is played as comedy [...] but a lot of the film hinges on some intrigue involving a corporate swindle, and neither the scheme nor the villains are compelling.