I wanted to at least make one card for World Make a Card Day - so I did Heathers challenge (use Silver or Gold) for Queen Kat -- her blog is: http://www.inkonmyear.blogspot.com/
This also meets the Use black Weekly challenge on Penny's Blog
Here is the card:
I used Bazzill and Basic Grey Two Scoops (thanks for the RAK Alana!). The tree is Hero Arts, the Noel is Studio G and the dots on the ribbon are Art Warehouse all embossed in Gold Tinsel from Stampendous using Versa Mark. The ribbon is from Sharon's stash (thanks for sharing!) and the brads are from Oriental Trading. Oh and Pop Dots!
and a peak at the inside: