Did you upload the images to the root/skin1/images directory and not just the root/images directory?
Also, this is what I did to get the credit card and paypal information to show up in my lower right.
- CREATED customer/payment_option.tpl file and added code similar to yours that you posted
ADDED { include file="customer/payment_option.tpl" } where I wanted it to appear, just above the { include file="customer/news.tpl" } in the customer/home.tpl