Right now, it appears as you are setting the user on the new action, but not on the create action.
A common Rails idiom (in RESTful controllers) is to create an instance of your Card (@card) in the new action, render a view to the browser, then save this object to the database in the create action (assuming you have some intermediate capture of additional card details from the user in between these actions). You can use Rails associations to correctly build the card instance with the correct user. Rails 3 introduced a streamlined responder facility as shown here also.
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