Player Card is the personal profiles of your Penguin. You can take a screenshot and crop to make your own avatar for forum, blog, youtube, etc..
Following is awesome tool called “Club Penguin Player Card Maker“. Note: it does not real a Club Penguin account but just for fun like a simulation.
You can make any penguin name, change a background and dress it with items as you want.
A “Change” button only affect to username. Enjoy it!