Welcome Greg. Be careful or you might get hooked with this thing (smile)
Not sure this will answer your question, but I posted this on another thread for someone that wanted info about Credits, Levels and Points. You can also learn more in the FAQ Home and Getting Started over there--->
Generally,
Credits are used to buy equipment and balls that are unlocked
in your Level. You can also use Credits to enter pay tournaments and
to buy other stuff. You can buy Credits and you can earn Credits in
tournaments. You can also receive Credits by participating in offers
such as the surveys you mentions.
The Level you've attained will determine what equipment is
unlocked. The higher your level, the more and the better equipment is
unlocked, and better virtual equipment you have makes playing this game
much easier. Levels are attained by earning Points along the way.
Points are earned by playing the game. You can earn more points by
playing everyday, completing rounds and in other ways. There is also a
virtual boost drink call XP available that can help you earn points
faster which can move you to higher Levels quicker.
Joey