If they unmeld cards, they may also be penalized. Meld Formation & Penalty Minimization. Focusing on making melds as fast as you can while mrummyjoyonitoring the cards your opponents discard is one useful tactic. In order to minimize penalties at the end of the game, players can minimize the number of unmelded cards in their hands by giving priority to the creation of sets and runs. retaining adaptability & changing tactics.