Let d be the number of cards Desmond has and m be the number of cards Melissa has.
d + m = 92 (this statement means "desmond and melissa have 92 cards in all)
m = 3d (this statement means "melissa has 3 times as many cards as desmond")
With a simple substitution....
d + 3d = 92
4d = 92
d = 23
Desmond has 23 cards
Keep in mind every time you encounter a word problem of this variety, you should be looking for key terms that relate the unknowns. Has/Have are equivalent to an equals sign, a statement of two (or more) people usually implies those individuals will be variable names.