Differences between US and EU version

[Phoenix]

Its tied to Billing Address IIRC.
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But if you bypass the credit cards entirely by writing fake CC numbers at registration (since you have the first month for free, they don't verify the data until the free month runs out) and then have someone in the US buy gamecards for you (unless maybe EU gamecards work for a US subscription but I wouldn't risk it). Then they could scratch the gamecard and then tell you the code so you can input it yourself, and you should be able to play on US servers without any problems.

With the possibility that I might have to redirect the game to US servers manually by changing some file?

That worked in the beta, I played with my American friends on my EU beta. The file is realmlist.wtf. Of course I don't know how that will work now with different patches and such. They do release seperate patches for EU version and US version.