I tested this case and I'm able to send and receive a vCard with following parameters:
Information elements in User Data Header (Part 1): 050423F400000003010201
Information Element identifier 05. Length of IE 04 (hex) = 4 (dec) octets Meaning: Application port addressing scheme, 16 bit address - Port Numbers: destination 23F4 (hex) = 9204 (dec), source 0000 (hex) = 0 (dec) Information Element identifier 00. Length of IE 03 (hex) = 3 (dec) octets Meaning: Concatenated short message, 8-bit reference number - Reference number: 01 (hex) = 1 (dec) - Amount of concatenation parts: 02 (hex) = 2 (dec) - Sequence number of the current short message: 01 (hex) = 1 (dec)
Actual data was (Part 1):
424547494E3A56434152440D0A56455253494F4E3A322E310D0A4E3B434841525345543D49534F2D383835392D313B454E434F44494E473D51554F5445442D5052494E5441424C453A3D43346974690D0A54454C3B505245463A310D0A54454C3B574F524B3B564F4943453A34340D0A54454C3B43454C4C3A32320D0A54454C
Part 2:
3B484F4D453B564F4943453A33330D0A54454C3B4641583A35350D0A4E4F54453A6E6F74650D0A454E443A56434152440D0A