Dave,
If you do have to buy one, you can get one at Amazon or other stores. I guess you then give DirectTV information on the new receiver and they reprogram the card. Saves $5 a month.
Edited: DISH has their problems also. When I call to get something changed and it is refused, I just call back and get a different telephone person. Eventually I'll get one that knows what I want and will do it. I call it the first "monkey" out of the barrel syndrome. They are not smart sometimes, so you have to call back and try to get a smart one to pop up.
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