Only credit card info you use is when you purchase an item from xyz site. When you go to that site via bing's links it creates a trail that after you purchase the item it will show up in your cashback account (may take a day or two) and then it tells you how long you have to wait until you get your money from it. The wait time seems mostly to be sure you don't return the item right away and keep the cashback as well. You get your $ from MS by either check or deposited into your paypal acct.