Referrals = Those people who joined under u, means if they click, u'll earn from them also, they can be both direct and indirect referrals.
Active Referrals = Those referrals whether direct or indirect, who click daily all the ads.
Rental Referrals = Those referrals that can be purchased by money.
Direct Referrals = Those referrals that joined from ur referral link.
Referral Exchange = U join someone's ptc site under his referral link and vice-versa.
For SCB, u'll have to add ur debit or credit card in AlertPay.