Well, Most places like you to add a .0625 give or take bleed to your artwork on all sides. Well, Last year when 365 started doing cards, it required you to send a 3.7x2.2 file. That pretty easy math, but a big bleed nonetheless. Now you send your card file in at 2x3.5 and have to guess how much bleed they are going to trim off when they upsize it. I would prefer to know how much they planned to trim when I send the file. Again, not a huge issue, just a little different than most other places I have used for cards in the past.