This is the easiest part. Character cards are just .png images.
If you are playing the Steam or Fakku version of HS2, you are missing the mod framework. Here is the standard workflow: honey select 2 character mods
This is the modern, preferred method.
Note: Do not unzip .zipmod files. They must remain compressed to work. This is the easiest part
These are textures applied "over" the character model. Modders use overlays to create complex body tattoos, skin details, or clothing textures that would be impossible to make using the in-game sliders. These require the Overlay Mod plugin to function. If you are playing the Steam or Fakku
If you want a curated list of specific mods (e.g., best realistic skin mods, anime eye packs, or clothing sets), let me know and I can provide that too.