Answered question

Can I use referral credit in my account to buy add-on?

Have some $$ referral bonus unlocked.

Can I use referral credit in my account to buy add-on such as USA calling minutes?

Or transfer to my wallet and use it as pay as you go?

Thanks.

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Referral $$ are applied to you monthly bill for sure.
You might talk with CS if you want to buy add-on though.
If you are on a pay-as-you go I think it just act as if it was part of your wallet $$.

Chizz :))

The referral credits are not stored in the wallet, I don't know how you would be able to choose the credits as payment. Fizz seems to just use it to deduct monthly plan bills.