Hi,
I agree, there are no stupid questions! Your question about the 'click credit'. If you work with an affiliate network then they will track everything for you, so you do not need to. Mostly they have a statistics tool in their backend where you can see all your results.
However there are more interesting business models then CPC. (cost per click) You should look at PPS (Pay per sign up) or Revenue- share.
And did you ever thought about your mobile traffic? How to make money out of them? If you check out VPSMobile.com you can easily start a white label in your own look and feel . You should really try this to get feeling with everything. If you have any questions, do not hesitate to contact me!
Good luck!
Wouter Groenewoud
vpsmobile.com
[email protected]