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Answer is Yes!

GetRef.com is a free to join site which has become absolutely central to all of my activity in Paid to Read and Paid to Click type programs. It is central to the development of my downlines and is great for cheap Paid to Promote activity. all you do is earn then spend credits on programs...
click here to join free http://www.getref.com/index.asp?id=JPMISTRY

Earn
How do you earn credits? Your first option is to join the downline of another members program. This may seem very simple, but try and join a program that you are really likely to use. If you get a reputation as someone who joins programs but then becomes inactive you are likely to hit trouble later on both by being denied the chance to join programs and members not joining your downlines.

Having joined GetRef then to join a program you select "Earn" from the Home Page and then select "Earn Credits by Joining a Program". You are presented firstly with a list of the Top 7 Paying Programs and below this, other programs are gouped for you to sign up for.

When you select a program you may be faced with offers from a number of members (promoters). You may be anxious to just simply earn the most available credits. To help you make a decision you are given information about the promoters of the program - The Promoter Rating (how many times a user has accepted an earn request); The Earners Rating (This tells you how many times a user has been accepted for an earn request) and finally the total rating. You may be more comfortable going with an experienced promoter or just go for the most credit(s). For my part I tend to choose a newbie with a promoter rating of zero to give them a chance to build a downline and help encourage them to use GetRef; the way I see it the more active users of GetRef the better for everyone.

Having chosen your program select it by clicking on the program name next to the promoter of your choice. On the page that comes up you will see a description of the program written by the promoter and you are given the chance to rate the description. Some of the descriptions are dire and others very full. Personally I use this to state conditions to be met before I will hand over the credit(s). A summary of the promoter's history is given and you are then given a stark choice of Agree or Back. If you choose the Agree button you are committed to joining or it will affect your Earners Rating. Finally, if you agree to join, you are given the link to join the program by and full instructions on what to do to gain your credit(s).

Tip 1. Let the join link open a new window - do not right click and select new tab it doesn't work properly.
Tip 2. When you go to the site and join it may be necessary to carry out an action in a confirmation e-mail; if you don't do this the promoter will not see you in their downline.

Now all you can do is use the program and wait for the promoter to authorise your credit(s). If this hasn't happened in 72 hours you may force the transaction to gain your credit(s).

The second way to earn credits is by selecting "Earn" from the Home Page and then selecting "Earn Credits by clicking links". You are presented with (a very long) table of small ads which shows the link and also how much credit you will get for viewing the page for 15 seconds. The amount for each individual ad is very small but you can build credits very quickly with a good session of clicking. Why do people put these links here? I will discuss this when dealing with your Spend options.

The third way to earn credits is by referring others to GetRef. For each member you directly refer you will receive two credits. I do not plan to expand on this option here other than to say I regularly run GetRef banners in Traffic Exchanges.In addition to earning credits you can also buy credits following the "Buy Credits" link from the Home Page. $10 will buy you 40 credits (50 if you are a Gold Member) and you can spin these credits out a long way.

Spend
OK. Let's assume you have some credit and look at how you can spend it.

Following the Spend link from the Home Page than click "Buy Referrals for your program". It is possible to promote over 2200 programs on GetRef so just select your program from the list that comes up.The first thing to enter on the form you first see is your program referral ID. Be careful - as it says on the page - the referral ID is not necessarily the same as your login id. Enter the total number of credits you are assigning to this program and the credits per referral. This could be as simple as 2 and 2 but on popular programs I tend to offer 2.2 credits; just a little more to help you get towards the top of the program listing. Do not go mad and offer way over the odds - these credits are hard earned!
However, if you offer just 2 credits for bux.to, which claims around 500,000 members, then the chances that hell may have frozen over before someone joins using your link is spectacularly high! Having assigned credits select Update and test your referral link. All you have left to do now is write a description of the program. Please take some care over this - nothing puts me off joining a program under a promoter more than when they have either not bothered with a description or made little effort. To say "$0.01 per click" tells me nothing! Is there anything you know which will help me get the best out of the program? Remember that an honest user is not just using the program to build your downline but to earn cash.

The program description also gives you the chance to set out conditions which you expect to be achieved before you will authorise credit. For instance, at the time of writing I am looking to grow my downline at http://bux.to/?r=Olajidebt
and in my description it clearly states "This is the best PTC sites you can get. Trust me its good. over 10 ads every day, and if you become premium then you are going to make alot of money quite fast. some people make over $999. This site, is the best you can get.
YOU MUST CLICK 8-10 ads per day for 2 days to get credits. YOU MUST BE ACTIVE!!!" Everybody knows where they stand and if people either choose not to join or to join and not fulfil the conditions you have not wasted your credits.
You will be notified by e-mail when someone joins your program. Check your program to see that someone has indeed joined (I have had it happen that someone joined incorrectly or failed to reply to the confirmation email) and when you visit GetRef.com you will find on the Home Page the Mailbox (top right corner), simply click on this and it will give you the chance to review the transaction before you Accept or Decline the person signing up to your program. Think very, very, carefully before you decline someone and, if possible, mail them to tell them why you have done so.

So that's it; how to earn credit and then go on and spend it. There is much more to discover when you join. Gold membership is a steal - you get 10% of downline earnings 5 levels deep and as a Gold member you get random referrals so the number of referrals adds very quickly! Do make use of the message board it will help you to get used to the program much more quickly.One little thing to look out for is the monthly draw. You can make money; get gold membership and win free credits in the monthly draw. As you progress through the site on a daily basis you can earn up to three tickets - so use the program every day and you increase your chances in the monthly draw!

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http://www.getref.com/index.asp?id=JPMISTRY