I have done photo cards before using the Coluzzle templates. I cut a sheet of printed paper to frame the photo. We will call this the mat. Place the photo behind the mat. Then I cut the hole in the card a little larger than the hole in the mat. When the photo and mat are placed behind the
card, you get the appearance of a matted and framed picture. Here is and example:
http://www.biblical.com/galhorse.shtml
the next to the last card on this page is done with that mat thing. Hopefully your can see what I am talking about. The black is directly behind the brown card. the horse image is behind that.
I have also decorated the edges with trim. I found something called stick stiches at Walmart.
http://www.hambostamps.com/gallery.htm
the first card on this page has the sticky stitches. The yellow layer is behind the orange layer.
HTH Joyfulheart ~ Jacki