Several questions about getting a new PowerBook

Since I have really limited credit limit, I am wondering whether the online store will charge you through the credit card you provide? Do I have any other choices, such as bank card or cheque?
The second question: Is there any special procedure to go through before you can get the student discount?
The third: Which softwares are essential for student's daily and school tasks that are not provided with the new PowerBook? And what do they do? If you can explain them as their counterparts for PC, that's really appreciated.

Here is a list of payments the Apple Store accepts.
You can get to the Educational version of the Apple Store here.
Well, there's Microsoft Office for Mac, of course. Although AppleWorks may be an acceptable alternative. It supports word-processing, spreadsheets and databases, although it appears to be being phased out. Pages is a newer word processing app that works well with Word documents.
PowerBook G4 12" Mac OS X (10.4.5) 1.5 GHz

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