If you are concealing, you MUST have your card. If you are caught concealing your pistol or carrying in a car without it, I believe it is a misdemeanor charge. Not sure if it is grounds for revocation of your permit or not, or if it is grounds for seizure of your pistol. I always carry mine, that way I can decide if I want to OC or CC on the fly without having to go home or to the car and get it. If I'm OCing and an officer wants to see my CPL, he can deal with me saying no.