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Red card leads to another frank exchange (5-2-5)

Ross

I believe the answer is:

heart-to-heart

I'm a little stuck... Click here to teach me more about this clue!

'frank exchange' is the definition.
'heart to heart' can be an answer for 'frank' (I've seen this before). I am not certain of the 'exchange' bit.

'red card leads to another' is the wordplay.
'red card' becomes 'heart' (hearts are red in a deck of cards).
'leads' is a charade indicator (letters next to each other).
'another' becomes 'heart' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'heart'+'to'+'heart'='HEART-TO-HEART'

Can you help me to learn more?

(Other definitions for heart-to-heart that I've seen before include "Intimate conversation" , "Intimate talk" , "Candid conversation" .)

I've seen this clue in The Sunday Times.
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