I've put on both modifiers and a max handicap (working on truth and lumina quests), put on the lowest power level gear i had and once I'm in the nightfall my score multiplier remains normal (according to card, I should have at least a 5x multiplier) and I am not getting quest progression for truth. Am I missing a step or something?
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Are you doing the ordeal? You have to run the old nightfalls with the card.
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Using lower power gear isn't necessary, by the way. But are you doing this in Nightfall: The Ordeal or legacy Nightfalls? The Five of Swords doesn't affect The Ordeal, so this quest must be completed in legacy Nightfalls.