11.   How many cards have you had?

12.   Also, Visa and MasterCard gold and platinum cards usually have no annual fee.

13.   American Express Co. has its eyes set on Brazil, where spending on credit, charge and debit cards has increased nine fold in the past three years.

14.   Ambassador cards already have a separate identity and Hallmark would have to resell the line to retailers as something different.

15.   An excellent-rated card should have no creasing, foxing, bent or torn corners.

16.   An interface card has its own BIOS that will allow older machines to run the larger hard drives.

17.   Analysts and some Hallmark employees have said that Ambassador cards have thinner profit margins.

18.   And the graphics card has only a paltry four megabytes of video memory.

19.   As a nod to its heritage, the new, mostly white card has a green stripe on the back.

20.   Because these cards do not have room numbers on them, they are useless to anyone who finds one.