i became a survey whore for about 2 weeks and got all my clubs without spending a penny. got lucky twice w/ the 450 survey, but mostly had to do the "my view" one for 75. Be advised (and by this i mean read the directions) you can only get credits for this one once a day; i thought i slipped through the cracks and did a second one for about 20 minutes but never got the credits, doh!
I also did the "spanish speakers" one with very little spanish... the questions actually were not in spanish at all.
around thanksgiving they had a lot of videos (commercials) for 8 credits ea.; i could run quite a few before the offer just went away.
and always go back to offers and try again after getting rejected, it's like calling a radio station for a contest, just be persistent. And getting rejected after already getting accepted can be really frustrating, you will start to recognize a pattern to the questions if you do enough so you won't be so surprised getting dumped.
one last thing, realize this effort will only be temporary, when u get the nice clubs you can compete better (probably) and win some credits in tournaments. I'm glad to have it behind me, until i need that level 80 driver!