There is only one file type that uses the .VCRD extension:
Windows Vault Credentials File
File created by Windows Vault, a security program introduced with Windows 7 that can store user names and passwords for Windows users; contains the users credentials (passwords, etc.) in an encrypted format; requires an associated schema file (.VSCH) and policy file (.VPOL) in order for user credentials to be verified.
VCRD files, as well as VPOL and VSCH files, are saved to the following directory:
NOTE: Windows Vault can be accessed through the Credential Manager in Windows. Open the Windows Control Panel, choose User Accounts and Family Safety, and then select Credential Manager.
Updated: October 5, 2013