Well happy to have you on listia, and the things you bid which you bid with the credits you have the only things that you will pay for is if you win something and the seller is asking for a shipping charge and the easiest way to pay for it is get a PayPal account and then they should send their email and you send the amount that is listed. You earn credits by doing different things it will to you on your profile. If you have any more questions please feel free to go on profile and inbox me.