So where's my Gerrard

That's a shame you can't use what you bought.  Raise it with the EA in game help if you are missing the card mate Or in Technical issues section.  The card should be visible even if you have another Gerrard in your lineup.  It would just won't allow you to add him while the other card is in.  Also check your filter settings just in case.  If you r reporting I would suggest to add a screenshot of Gerrard card if it's visible in market section.