I have the 120 and program it routinely with the Tx. It's easy. I't goes into program mode if you pin the trigger before you plug it into power. Hold the trigger until you hear the strange tone. Then wait for the correct beep (I believe it's #3, 1 is reverse, 2 is cell number, 3 is cut-off, and 4 is timing setting. When it beeps the propper nunber for the feature you want to change you let off the trigger. Then it will go through another series of beeps and you select the setting by pulling the trigger again. Not hard at all once you do it once. I see no need for the card. I could reprogram all 4 features in 5 minutes.