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When will payoneer start charging the annual fees? and 2 questions

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Hi There,
I am a professional freelancer at Upwork, PPH and Freelancer. I have a payoneer account. I opened it last year. When I opened it I requested for a master card. But I didn't received the card yet. At last I requested to send me another card with my new address and I received it. I didn't active it till now because of some queries.

1. Could you tell me when will start the annual charging cycle? from the activation date of master card or the opening date of my account? If I active my second card (I didn't receive my first card) and load $300 to my card, how much payoneer will charge right now?

2. Does payoneer charge any fees for the card that I didn't receive yet?

3. Is there any way to know if I use any referral url to open my account? because there is a reward of $25

Please help me to clear about all of my queries.

Thanks
Sabder

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