rude or ruder?

so is it rude or ruder to send someone an occasion card after the occasion? on the one hand, you didn't care enough to send it on time, but they didn't know it until they got the card. on the other hand, they figure you didn't get them a card, and SURPRISE! here it is. and who isn't happy to get real, paper mail addressed to you by a friendly or even loving hand? what do you think?