If you are wondering where the difference between a vCard and a contact is, the following information should make things clearer:
vCard: A "folder"that you add to your page in the Experience Editor where you can link several contacts to be shown on your page.
Contact: A contact that you create for one person which can include the e-mail, telephone number, position, descriptive text, etc. The contacts are stored centrally under the "Contact Pool" in the Content Editor where they are also edited. You can find it following this path: Sitecore / Content / Contact Pool. Similar to web pages, you can create language versions for the contacts, e.g. if the HR responsible is different for every country.
Below it is explained how to add / edit both the vCard and the contact.