Searching for a new MMORPG

Hey guys! so i tried alot of MMORPG's but there was only very few i actually found myself comming back to and sticking to for a long time (Mabinogi, Maplestory, and Runescape).

So heres what im looking for! (anything with a "*" next to it means its a must have for me)

Storyline*

Character custimization (it doesnt have to be PERFECT like perfect world or second life but i do like my characters to have alot of custimizational perks a good example is like maplestory or mabinogi simple but it gets the job done.)

Free to play (F2P)*

Prepaid cards*

good sized community 

Crafting (this is VERY important to me and not just like blacksmithing or alchemy cooking, fishing, all that good stuff i like a game where its not all killing but some leisure time on the side)*

Housing

Fantasy Genre*

Also, Graphics arent THAT big of a deal it can run alot so dont be afraid to hold back

Thank you guys please post your suggestions I really appreciate it!