It's time.

[Sentimental Gentleman]

Nothing to apologize for, Kaltes-Herzeleid. A lot of that technology-related stuff escapes me too...and often makes me a bit paranoid. You're certainly not useless; information technology has gotten so complex, and the kinds of information stored within it so expansive and complicated, that I'm certain almost everyone gets lost trying to figure it out from time to time.

If you do as Shadow Step suggested, I think you should have a clearer picture of where this card and its money are coming from. And if you have any specific questions, I'm sure you can ask them here.