How can I use my 10 000 Banner Credits?

Log in to your account. Go to Account -> Manage Ads.
Select "Banner Ads" and click on Manage.
Click on Create New Ad.
Fill in the Title, Target URL (URL of the site you promote, your reflink etc.) and Banner URL (URL of the banner image). Now click on Add Banner.
Then you have to add credits to your ad. Click on Add, select that you want to add credits from your account, then write there how many credits you want to assign to the banner ad.