Got my h21-700 replaced (hd crashed) with a h21-100. Came with new access card. worked half a day then I get 762 bad access card. they are sending me another card. Is there anything else that could cause this problem? Just curious. I took card out, wiped it good on contacts then it worked for a full day then 762 again next morning. On a happier note, I do like the h21-100, a lot faster on accessing menus and changing channels. I just hope the new card clears up my problem