You may not copy or duplicate this tutorial or snagg the html to to distribute around yahoo or msn groups , You may link to the tutorial. Anything you make is obviously yours to keep and use . A link back is always appreciated. Read tutorial from left to right boxes

 Open a new image  500x300 (unimportant). Choose your pre shape tool and choose rectangle with these settings  

On the materials palette start with the  foreground tab and  choose the black circle do the same for the background. Click the rectangles for both and choose two colours when the large  box appears and ensure that texture is unchecked for both. Use a slightly darker for foreground These are the  colours  and settings I am using for this tutorial. 
Then on your canvas hold down the mouse and draw your rectangle. Next do adjust /add remove noise/noise/Gaussian 7 Now locate your warp brush

 and open deformation map and choose this

then press the apply icon on warp ribbon .

Do selections select all selections float and your calling card template is ready for adding images and text.

All ready for adding text and images try other deformation maps to get your acquired look then save it as a picture tube or in psp format.