It's hard to say, but the easiest course of action is to reinstall the cards and swap the position of the cards and see if it's still seeing the issue. If it solves the issue, your good to go. If you see it move to Card slot 1, then you know it's the card. If you still see it on Card slot 2, it's more than likely the TiVo.
CCourtney
CCourtney