Samwise Gamgee Premium (My Experience).
What you're describing happened to me, and I was confused (read: "angry") at first. But what happened to me was the next time I bought something through the in-game LOTRO store, it said, "Premium" in a certain area. This seems like an in-game LOTRO situation. I am not VIP, still "free-to-play" (I'm seeing if I want to play the game). But the store says I am "Free-to-Play" and "Premium" now. I hope that helps. And the person that hates me, just ignore my posts. Much obliged.
P. S., I remember what made me mad, it was the "three characters." After I used "real money" (technically, the "second purchase"), it shows three character slots available.
(And the person that hates me, please continue ignoring me. You and me are just incompatible. No offense.)
Little Hope there is that help should come from Gondor, but we shall see the glory of Cardolan restored!