I called the toll-free number before actually swapping the card, then swapped the card while I was on hold. (technically, the instructions were swap card, then call... the hold time is minimal because they have this special number already routed to the proper group.)
The guy had collected all my info before the machine finished rebooting, so I think the authorization signal went out before my machine could "hear" it. 20 minutes later, another call to the special number, the CSR had me check a bunch of settings, finally had me do the front-panel reboot. All is fine after that. All prior recordings are still there by the way.
This may work for you if you have problems... make sure your machine is completely done with the reboot after the card swap before giving receiver and smartcard numbers to the CSR, and if everything's not fine in 20 minutes or so, try another reboot.