Well the majority of us were right ... he didn't have Sam's card. Now how the HELL do you get a PIN number? If it was written on the card he got damn lucky, cause not even Grandmas do that now lol
None of this makes sense. It almost HAS to be JKs card. It was reported stolen...who reports a card stolen, but doesn't turn it off? Could the victim have been instructed to not turn it off b/c the police wanted to track/find the perpetrator? I have not heard of this being done in the past (though that should not be surprising..).
Scenario: he kidnaps her, makes her tell him the pin? (weak, I know...how would he know she knew it...I don't know my dad's PIN!) Then what? Maybe there HAVE been demands made on JK? Maybe this is why the card has not been turned off???
This is all speculation...thinking out loud!