I agree with both. After having posted this question, I performed some tests with
two 125KHz fobs and came to the same conclusion.
Also using an HID Multi-Class reader, which can read both 125KHz and 13.56MHz and using
a Combo Card, the reader is not too reliable. if approached slowly, it will first read the 125KHz,
if in turn you approach it rapidly, it will read the 13.56MHz instead.
Thanks