.... a "credit card" should have come with the bike when i bought it from the H.D. dealer, I am
If there should be any guilt to speak of, it should be on the head of the previous owner that had the callous disregard as to trade in a C14 at a HD dealer!!!.
Making that poor girl sit there with all that chrome and leather fringe. Shivers!
The most constructive thing I can offer is for you to get a good photo of a credit card passive fob and go back to the Harley dealer with it and see if they can find it. It could be sitting
in the sales manager's junk drawer with them having no idea what it is. If you offer a $100.00 reward,
(yeah, I know you shouldn't have to, but...) you know they'll look for it.
I'd look all over the bike to see if perhaps the previous owner secretly hid the credit card fob on the bike somewhere, as some do that. I'd also ask the dealer if they'd contact the previous owner to see if he still has the credit card fob. If he says "No, I gave it to you with the bike" then maybe they'll redouble their efforts to find it.
If you can find the credit card fob, then you are getting off the hook considerably cheaper. I lost my active fob but I still had the passive credit card one and now I have an active FOB, a second passive fob, all programed in by the dealer for less than $350.00 total. If you find it, be sure to check back here to get advice about programming your replacements, as not all dealers know how to do it properly. I had to coach mine a bit.
Best wishes.