I have Nokia 9800 S

If I pay smart cards like fun, titanium ……with program machine likes Dynamite plus as in www.duolabs.com.

The question is this correct way to program the smart card?
then I need write program to add the keys!
And anther question should I upgrade nokia 9800 S also.

So. Pl, tell me if you know good www where can I know how to program the smard cadrs for nokia 9800 S step by step.

Next anther idea I heard
For a programmer you need a Phoenix, this can programm all cards
used in that matter.

Pl, your help will be great.