I have never used a credit card or paid any money on Fusion Cash to make money. I've never had any referrals as of yet. It's not hard if you work at it everyday. Repeat your steps everyday and you WILL make money. Granted, some months are more productive than others, but there has only been 2 months out of a year I have not cashed out with the minimum. That was only because I let it ride until the next month to cash out with extra. See my banner below as proof. Coming this June 13th, I will celebrate one year here with Fusion Cash. This next year I'm going to work on referrals and try to help them through the process.
It can be done without using your credit/debit card. Sometimes, taking the surveys on this site has led to other opportunities to make money that is not reflected here (on my banner). Don't listen to those who say the surveys are a waste of time. Keep at it, and they will pay off. Be completely truthful with your answers because some companies are looking for specific individuals with specific life aspects.
I usually come on after 4 or 5 pm as my day is winding up by then. I do most of my Fusion Cash at night. That's my down time, and it is relaxing to do the "formula" I've set up every evening. Pick a time where you have time with nothing else pressing on you. I find that works the best. Make it fun, not a drudgery to come everyday. Keep in your mind that your having fun and being paid for it.....because you are! It's all in the attitude and mindset.