The first thing you need to understand about a template is the difference between an image and a graphic. An image is what your visitors see on the front of the card. With a template, though, you don't need an image.
The graphic on the other hand, will contain all of the text that you want on the card. It's what your visitors will see. You can add images to your template if you want to, but for now, you will need to leave the graphic to where it's at.