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They took the lead two minutes later. Andrew Taylor crossed in from the right before Heidar Helguson headed home from six yards out.
Peter Whittingham almost doubled Cardiff's advantage on 22 minutes, but Hamer produced a good stop to keep out his left-footed drive.
It was only a matter of time before Malky Mackay's team extended their lead, and they did just that in the 24th minute. Helguson was the provider this time, lining the ball up for Joe Mason to smash in from close range.
Charlton pulled a goal back against the run of play on 39 minutes, with Jackson finding the top corner after good work from Michael Morrison.
Cardiff were left kicking themselves at the stroke of half-time when they allowed Charlton to draw level. Salim Kerkar whipped in a corner and Jackson pounced to make it 2-2 at half-time.