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I've not used them but looking through them they are embellishments that you can use to 'decorate' your cards. Frames, photos, flowers etc. From what I've seen you cut them out and use
Overlay papers/backgrounds you put in PSP and then use your blend tool to create sheets. (Bottom layer colour, top the overlay and use the blend tool)
Card templates are just that....templates to make your cards so you know how to lay your designs out.
You would need a knowledge of PSP to be able to design your cards if you are going to design then print out.
Hope that helps a bit....without knowing what you downloaded, cant be more specific than that.
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