Instead of trying to explain in this thread with a novel instead of a post...
search for "getting credits, surveys, not getting credits, trialpay, peanut labs, got screwed again by XXXXX, etc.", and you will have 3-4 hours of reading with a lot of good advice...
and most of the surveys pay immediately, some videos take 15 minutes...if you don't have it in 15 start the complaint process with the vendors customer service not here, wgt can't do a thing about it....