You can make money without using a credit card or getting referrals... Most of these offers are under the Daily category of the offers page. The first few Daily offers are some survey sites where you get paid if you qualify and complete a survey. Note that they usually ask a bunch of questions to determine if you qualify, so don't think that it is a scam if you spend 5 minutes answering questions only to find out that you don't qualify... Eventually you will fit the correct demographic that they are looking for, and you will get to complete the entire survey; I've made a few bucks doing these surveys and they're pretty fun, esp. if you have some spare time to kill.
After the surveys there is a link for the Paid To Click. This is not your classic "Bux" type of PTC; rather there are a series of steps that you need to complete in order to receive credit. At the top of the page is the instructions for how to complete it. Also look along the left side for pages to visit, sponsors, and at the bottom of the left panel is where it tells you your progress (it will start of with a timer and how many pages you have visited). You will know you are finished when it says that your account has been credited and there will be a link to your account page. (It took me a few days to get the hang of this, but once I did, it was a quick 5-minutes a day to make free money). Oh, and BTW, the games page in this area has added bonus money for achieving a certain score on a particular game (note that this is a bonus so it does not go towards your $15 offers threshold, but does get you closer to that $25 payout threshold).
Next on the Daily offers section is the Daily Cash E-Mail. If you have not already done so, you can sign up for this, and every morning afterwards you'll get an e-mail advertisement that you need to view for a minute to get credit. They are very good about not spamming you either, so don't be afraid of signing up for this. I actually start my morning doing this as it will log you into FC in the process. After viewing the e-mail, I'll then go do my other FC stuff...
The final area on the Daily Offers is More Special Offers where the reward varies. Clicking here will give you a page with various tabs: All, Free, Mobile, Daily Tasks, Videos [sometimes], and Offer Status. The All, Free, and Mobile are like the other offers on the main FC offers page where you may need to fill out a form with contact information, supply a credit card, phone number, etc. in order to receive credit. The Daily Tasks area has simple tasks that you need to complete in order to receive credit. The tasks are usually simple so that anyone can do it, but it does require some judgment call which prevents these tasks from being completely automated by a computer (which is why they pay people to do the work). You may be required to visit a web site, determine if it is a site for a law firm, and find the names and phone numbers of the lawyers in the firm (and fill out a form with the correct info.). Or you may need to view pictures and determine if they fit into a particular category. Then under the Videos tab (if present) there is a video ad that you have to view in its entirety to get credit (and sometime you may need to do some other task like install trial software etc., but usually it's just viewing the video). Finally the Offer Status tab will show all of the offers in this section that you have received credit for (or are in the process of completing).
Just by diligently completing the Paid To Click and the Daily Cash Email, posting on the forum once a day (or at least enough to get the forum bonus each month), and doing some other bonus like posting your payment proof (which reminds me that I still need to do this for my last payment, eek!) or even your initial signup bonus, you should be able to cash-out every 3 months (and easily by 4 months if you miss a few days). Completing other offers, surveys, videos, promotions in the forums, referrals, etc. is all just topping on the cake; you either will be able to cashout faster or (esp. for bonuses you receive) the cashout will be worth more money.
Note that this site is not a get-rich scheme, and if you were to determine the time spent vs. income you probably won't make what you could with an actual job. But if you don't mind spending 10 minutes of your day on this site to get an extra $25 - $30 every few months (and if you work at getting good referrals like oldbuddy, the potential earnings is even greater), then this is a great site. Good Luck and don't be afraid to ask for help in the forums (that's a great thing about the forum bonus; you know we have a very active forum!)