I too just cashed in in less than 2 months without doing any credit card offers and very very few surveys because I seldom qualified so don't usually take the time for these. Daily emails, videos, an occasional human task, paid to click, posting in forum take a total of about 10 minutes a day; one a week do the easy weekend mini promotion & Tues/Wed sports promotion in Offers forum. These things alone will allow you to cash out about every 2 months with minimal time investment, no credit card offers, and no frustration from wasting time doing surveys only to be told after 10 minutes of answering questions you don't qualify. You can earn money without credit cards and surveys, so the site is not a rip-off. It can be a slower process to cash out but still 25 or 30 dollars every month or two helps out.