Well i can trasnfer you some credit.. PM me your cell number
Do not wonder why they are affecting , if you are feeling bad about it, if you can forget do that first. if u can not then do what your heart says. but then i m not sure who he/she is and whats the actual situation. A call or casual gift would help more.
and no Friendship cards r not overrated. Not at all. Its all in your mind. Its all on how you feel and how you want to express it.