Don't you mean credit card thick? If you're putting it on as thick as credit card you're doing it wrong.
As thin as possible, which means you can partially/mostly see through it.
Edit: The objective of thermal paste is to fill in the surface indentations on your CPU and heat sink. Most of them are so shallow you can't even feel them. With those filled in you have 100% contact between the heatsink and the CPU.
Thermal paste is not some magical substance that cools the CPU further, thus warranting a healthy application. Rather, it is a more efficient thermal conductor than air. So, if your thermal paste is in anyway impeding surface to surface contact it is losing efficiency. You just want it to fill in the holes that wouldn't have otherwise made contact.
I meant using a soft credit card to spread it, i tried doing a thin layer and it i swear didn't do much (100 % thinnest covering I can get).
I just redid it putting a big grain in the middle and 4 small grains closer to the corners, i'm just gonna let it spread over time. (Actually similar to the arctic silver 5 instructions pdf file on their website)