Bank credits are a permanent feature that we have implemented that you can use to help your referrals meet their credit requirements. The way this works is quite simple. If you wish to give a referral of yours 0.10 credits, you will need to have at least 0.10 credits in your bank, then request us to make a transfer and we'll take care of it. Likewise, if you wish to give them 0.50 credits, you would need to have at least 0.50 credits in your bank. Please ensure to include the referral you wish to make a transfer to, along with how many credits to avoid delay in getting your request processed.
There is only one minor exception we have to this feature, which is that if you wish to apply the credits in your bank to a referral on our BigCash site, you will need to have 1.50x the amount of credits in your bank you wish to give them since our BigCash site pays out more per referral, but has the same offer requirements as most others. Meaning that if you wish to give a referral of yours 0.10 credits, you will need to have at least 0.15 credits in your bank or else we will not be able to make the transfer. Giving 0.50 credits to a referral on our BigCash would require 0.75 bank credits and so forth.
For information on how to obtain bank credits, please refer to this FAQ