[What considers a high tier second life account?]

Just curious what difference there is from a old account who's been playing awhile, to a brand new one. There's literally no level, so what is considered a top tier SL account? 

[Adding Billing information question.]

Hi, I've finally decided to come back and give SL a chance again. I've seen some features I never knew before like you can import your own models and stuff and that's actually really cool.

Me, I am learning to be a game dev as a hobby, so I have alot of simple models I want to see if I can upload into the game. but it tells me I don't have the rights and says I need to add my billing infomation. Now, will I be charged? or how does this work? does it just need to be added??

Plus I also would like to play games like at the game destinations but it doesn't let me access. Is the only for premium members? sorry for all the questions.