You and the person giving you credits go into that person's room that has a quest kiosk in it.
They have pre-entered the credits and a simple task- usually for safety the mentioned task will be different from what you actually must do- and the actual is sent in pm here or on the game. Like the clue may say to dance or wave and they want you to say something else.
Generally the trade occurs and then the credits are swapped. Always a risk if you do not know the person well- but I always over talk trades (explain the game what we are doing over and over) just in case the record will be there.
I have only used my kiosk one time to trade credits for a snowman..
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