To start with, please go here for sim activation isses
Re your payback, that is done twice a year, December and June, that is why you are not able to add it as credit yet. You can choose the option in advance but as its several months to go it might be best to wait til nearer the time if you use the forums in the meantime as you may earn enough to want it as cash via paypal in June, you can change your mind nearer how you want to redeem payback until the cutoff date which is given with plenty of notice.
If youstill have issues with your sim, please use the help desk or ask an agent, above all please try not to stress, the help is available to get you up and running ☺
**quoted reply removed because of a thread merge**