I used MSPaint and The GIMP to make everything. I'm not much of a graphic artist, but I know how to cut and paste into a template. I'm really not sure how to change from blue to yellow, maybe someone with more skill could help you with that.
I think I know why you can't use the cards. Right click the image and then select 'save as'. Before you save you have the option to either save the file as a .png or a .bmp; you need to save as .bmp in order for the image to work with Ibolide.
Keep in mind until you register the program you will see watermarks on everything no matter what mod you use.