Student Pack Questions (credit card)

Hello. I have multiple questions.
1) I recently got accepted for Github Student Developer Pack. As far as I know, some offers require a credit card so I want to know which offer requires a credit card and which offer doesn’t.
2) For how long I can claim these offers. I am a student from 2020-2024, I applied with documentation. So I can claim these offers until 2024?
3) Does the time starts right after I got accepted to Student pack or after I claim each offer individually.(For example some offers say Free For 12 Months). Does it start right after I am accepted for Student Pack or after I claim it?
Thanks.