Hello! We have to create cards completely separate from 123Greetings, but within the guidelines outlined, and upload them to this site. People use programs like Photoshop, GIMP, and Adobe Flash (I think it's now called "Animate") There are also many online sites that have tools you can use to assist you in creating various styles of graphics. You can not just find another e-card online and upload it as your own. If you have any further questions, please feel free to reply to this, or send me a private email. My email address is on my profile: http://www.123greetings.com/profile/RedHeadsRule/
******I went and looked up the link to the Wiki article that explains everything you need to know about creating e-cards for 123Greetings. Here it is: http://studio.123greetings.com/wiki/index.php/Main_Page
Take the time to look that over and it should answer most of your questions.