Rich; You didn't have a / before CARD.

WWW.CHIPGUIDE.COM/TCBUPLOADS.PHP?IMAGE=CARD.JPG
vs.
WWW.CHIPGUIDE.COM/TCBUPLOADS.PHP?IMAGE=/CARD.JPG

I found it much easier to copy & paste the url after you upload the file and then paste it in the URL box. Also, don't know if it makes much difference, but you also had all capital letters.