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Once you've ordered your custom card, you will have up until 10pm the following evening to make any changes. After that, the card will be processed and sent out for delivery.
At the moment, the custom card can only be ordered through the parent account, however this is something we're working on so that the child can purchase their own custom card.
We have to charge for custom cards as we incur an extra cost, we do try to keep this fee as low as possible.