Don't let your frustration wear you down. Pages works great for greeting cards. It seems from your discussion that you're producing either tent or book fold cards. Neither is a problem.
First for your text. I recommend using the Layout view from the view menu. then click somewhere off the page (but still in the Pages window) so that the text cursor is no longer visible. Once that is done click the Objects icon in the tool bar and select Text. You will notice that a text box shows up on your page with the cursor blinking inside. Open the Inspector and click on the third icon from the left at the top of the inspector. This is the Wrap Inspector. Click in your text box to make sure it is selected, then click "fixed on page" in the inspector. You can then move the text box anywhere on the page you wish (by dragging) and you can rotate and resize it any way you want using commands in the various inspector panels.
Inserting images is similar. Simply click on the insert menu, and click on choose. Then find the image you want and click on insert. Bingo, the image is on the page. Select the image by clicking anywhere on it and then go to the inspector and make sure "fixed on page" is selected in the Wrap Inspector.
You can do the same basic operations as many times as you like and once each object is "fixed on page" you can move it or reorient it at will. Another poster in this group advised reading the manual and practicing. I entirely agree and think you will find Pages to be rather straight forward to work with.
One other thing you may want to consider is creating a template of your cards to save time each time you want to create a new one. The manual (or help system) provides excellent guidance on template creation and saving.
Andy H.