Ah, now I see why my points are still pending.
Xbox Live Rewards FAQ said:
How do I receive the Microsoft Points I earn through Xbox LIVE Rewards?
A. Xbox LIVE Rewards Points equal to or greater than 100 are deposited automatically into your Xbox LIVE account each month. If you don't have an Xbox LIVE account, click here to set one up. It may take up to 30 days for the points you earn to be deposited into your account. If your points total is less than 100, the points will be held as pending until 100 total points are reached and deposited into your account.
So it will be another three months before any points get deposited if I do just surveys. I have 40 right now.