Are the cards at the end of payday pre-determined?

I noticed some strange behaviour while playing Payday 2 in relation to the bonus card selection screen at the end of each payday:

In one instance, I got an achievement for reaching a certain threshold of spendable cash before I selected a card, then - once I selected my card, it turned out to be a cash card that had added enough cash to push me over the threshold. In another, one of my team mates got an achievement for reaching a certain level threshold before he selected his card and then the card turned out to be an experience card.

With this in mind, does it even matter what card you select? Are the cards at the end of payday pre-determined?

Solution 1:

I'm almost sure it is, for the exact same reasons as you: the nature and the value of the card seems to be taken into account even before you effectively select and reveal it (and hence can trigger achievements, for instance -- it happened to me as well).

Which, by the way, makes this system a bit pointless, not only because at the end of the day, you choice doesn't matter, but also because you'll have to wait for everyone to chose his card before you can proceed to the next screen.