no character cards; Mabipro ToS allows for up to 3 accounts.
Fomor coins are complete random chance of mobs, speculated that higher CP-leveled monsters(to you) are more likely to drop. If you do dungeons with high mob count (rabbie, math, ciar) you'll accumulate yourself some red coins relatively fast.
I'd personally recommend getting yourself two of the fast 1 seater mounts, and 1 flying mount, before spending the coins on random stuff like gacha or dyes