What are thee scratches?
What the hell did you do x.x
This looks gross...
There is a glowing circle like thing on thee card *which I can get* but I would've made it more of a flare.
And then you added another one too like her neck, this is taking away from the focal which should be her/his face and thee card.
First one by far is better, it isn't blurred and distorted, but I see no light source, but it is apparent there is one from upper right corner which is better than none.
Never ever, edit your render at your level of experience.
Depth could be improved a lot, as it looks flat to me
And thee background doesn't really fit as thee direction of the render seems to go from lower right ---> upper left, so it is actually confusing in some ways, but it does work. It would just look better if you fixed that. But what you have now is also fine.
Over all you need to work on Depth, finding focals and placing them correctly and making thee sig evolve around them.
Lighting could be worked on but it's not bad from what I can see.
It's not bad, it's just not thee best.