Few career related questions, don't open if you're a jerk

I'm a beginner on this site (4 started games, 0 finished). I already (probably too early) signed up for one tournament, since I'm curious how it feels (hope I'll finish at least one game 'till August 26
, otherwise I wouldn't have a free slot
). However, I'd like to hear from experienced players:
In what phase (score 1200, 1400, 1600... or games played 20, 40, 60...) a player should start to actively play tournaments? Regularly? When s/he should drop off playing public games? (I mean - being curious, I saw a few top players' records
; they play only private and tournaments games)
And one issue more:
I have a (weird?) desire to reach the first page of the scoreboard as a free member
. Perhaps become the best placed "silver" player
. But it's SUCH A NUISANCE to be limited to only four simultaneous games
...
So, as soon as I satisfy my vanity (or as soon as I lose temper
), I'm going to buy a premium membership.
However, there is a problem - I don't have a paypal account. I have a credit card; I have even accounts on few ewallets, but paypal isn't one of them. Wire transfer is also out of the question, since it is so complicated.
Are there a possibility to pay via my Visa card directly? Or via some ewallet other than paypal (moneybookers, click2pay...)?
Thank you in advance.


In what phase (score 1200, 1400, 1600... or games played 20, 40, 60...) a player should start to actively play tournaments? Regularly? When s/he should drop off playing public games? (I mean - being curious, I saw a few top players' records

And one issue more:
I have a (weird?) desire to reach the first page of the scoreboard as a free member


](./images/smilies/eusa_wall.gif)
So, as soon as I satisfy my vanity (or as soon as I lose temper

However, there is a problem - I don't have a paypal account. I have a credit card; I have even accounts on few ewallets, but paypal isn't one of them. Wire transfer is also out of the question, since it is so complicated.
Are there a possibility to pay via my Visa card directly? Or via some ewallet other than paypal (moneybookers, click2pay...)?
Thank you in advance.