Donald D.

*Main complaint is the Surveys not allowing completion, or credit, though they get a lot of answers they want along the way. Always some lame reason, too. About 2/3 of the surveys do this, which ends up being a huge waste of time.
No problems with pre-qualification questions denying me. But actual surveys 95% complete and ending up with "webpage not available" is a rook, by design.
As a whole, I kinda get the feeling this failure is related to "wrong" answers... meaning someone who is careful about spending is most likely to get booted.
Seems like what the survey companies want is young, dumb, big spenders who can be easily influenced to buy everything on the market. The more credit cards the better. It's all about advertising, and promoting cash flow.
*Swagbucks itself, as the BBB describes, is a small number of employees running a technically efficient hub of high-powered computer equipment, which explains poor customer service, and a very one-sided contract (Terms & Conditions) that clearly states Swagbucks can change the rules anytime they wish.

Overall, payouts take longer than expected, but they are valid. As others have said, large amounts have big problems... resulting in closed accounts... so keep track of records when using points to buy giftcards. Screenshots are very helpful when filing a claim with the BBB, and Swagbucks is immediate to fix overdue giftcard purchases. (Allow fair time, first, though. 5 to 10 business days after failure to make good, before involving the BBB in Swagbucks's locale.)

Advice: Keep expectations low, and try not to end up being a sucker.