Changing "." to ","

[RossioPS]

My regional Settings are set as European.

I have a userform that I would like to allow everyone to input values with "," or "." for that I need vba to change the value that user inputs.

I have the following code:

If (CDbl(Replace(txtValor, ".", ","))) <> CDbl(txtValor) Then        
        Cartao = CDbl(Replace(txtValor, ".", ","))
    Else
        Cartao = CDbl(txtValor)
    End If

However when I run the form I am still getting "type Mismatch" when a user enters a value with "." like "15.20"
This is not happening if the user use the "," like "15,20"

Am I using the Replace function wrong?

Thanks for your help in advance.