I've been thinking about this and have no answers really,so I thought I would chip in anyway, to see if we could get this moving.
Although you haven't given any specs, I notice you have posted elsewhere, and you had a Compaq, but now have an HP.
I'm not sure why cardfile.exe doesn't work with your new XP OS but worked with your previous XP OS.
I don't use Outlook so I don't know, but doesn't your new computer Outlook have cardfile on it already? If so, is there any way you can export the data on your old cardfile to file and then copy that file over to the new computer and import it to Outlook?
Although I have Outlook contacts, I have maintained my old Windows 3.11 Card File. When i installed it on my new PC it tries to open with HP Image Zone even though I told it to open with cardfile.exe. It worked fiine on my old XP Pro machine; why not on this XP Home box?