Are you printing on regular cardstock, glossy cardstock, or photo paper? If you are printing on glossy paper you have to allow time for the ink to dry before touching it. You can try using a heat gun if you want it to dry faster. If you are using photo paper you might be printing on the wrong side of the paper in which case it will never dry properly. I've done that numerous times (they should tell you which is the wrong side of the paper!!!) and it will smear something fierce.
I also have an HP, and have found that certain paper types just need more drying time than others. If you have a good photo editing program, you can turn down the amount of ink used in printing (and decrease drying time) by making the image more transparent. I do this when I am printing on velum and it really helps.
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