Since you're only lvl 20, i wouldnt worry about it too much. That guy (assuming "Dungeon Guide" is a player) was probably just trollin you. Talent-wise, just get whatever you feel is good since you really can't deviate TOO MUCH from a cookiecutter build. As for gear... get whatever you can in...
Company of heroes is fun.
I am currently playing Dawn of War 2 retribution. its "different" since i dont really have a base... but the basic idea is there. Get strong, kill stuff.
Happened to me. Called up my card company and told them about it. Sent me a new card so now I only go inside to use my card now... I initially used my card because it was quick and easy on gas trips... sighhhh