Later it won't matter if you use a credit card or time cards as you will receive the reward Day 1 regardless BUT at this point i think it's only possible to get veteran rewards through time cards. You have to be charged to receive the rewards but as far as I know SE won't charge until our free month is over.
As for the Phial of Fantasia you can change everything exept birthday, god, starting class and name, so a tribe change should be possible.