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I tried to find the files/templates that you mentioned in step 3 and step 4, but could not locate them
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Becky,
Are you using an FTP client? If not, you will only make a mess. DO NOT use the xcart wysiwyg editor. Remember, if it's a template (.tpl) it's going to be in skin1. SO when we refer to auth.tpl it's really, /skin1/auth.tpl
As for ezCheckout, I am not familiar with this code, and I'm sure if you look though the ezcheckout templates, you will find the var, $payment_methods[payment].payment_details in there --- then simply substitute the new code for the old.
I started this thread to discuss the creative elements of reward points, not to address specific template editing issues or discussion of text editing tools. Hope we can stay on-topic.