you cant legally buy an access card they are directv property and if you do ,,,,,,,,,,,you have to know it is a set up. stupid is as stupid does.....forrest gump
The P5 is the only card that D* will currently activate. You may have problems getting the card activated if you don't go through D*. They only charge 20 bucks and they overnight it.
All D10's come with access cards. If you don't activate the access card that came with the D10 the dealer you purchased it from will get a $130. charge-back.