But it could be Apprentice or Magic Suitcase. With Apprentice, you probably have to know how the cards are entered; it doesn't seem intuitive. Magic Suitcase probably better fits the bill but I've never used the card-making portion of it.
Yeah thats the one. But the webpage where you can download it is either underconstruction or just plain messed up. I tried to download it again last week.
It's not a program, but it has a feature where if you sign up(free i believe) you can make your own cards and put them up on the net for people to see.