Cards aren't finished because the sentiment needs to be added. When I make cards and don't have someone specific in mind that I will be giving it to, I often leave the sentiment off because inevitably, I would need a birthday and all I would have is anniversary or sympathy and then I'd have to start from scratch to make a card. Completely premade cards are not the greatest when you need something at the last minute.
Here's a couple more.
Have fun experimenting!