Refuge Campaign is a terrible card.
Essentially, it’s PAD Campaign but doubles its price and doubles its payoff. If you compare this to Nico Campaign, Nico gives you net 1 credit after 1 turn, and after 3 turns, it earns you net 7 credits plus a card. Refuge, on the other hand, nets you -2 credits after 1 turn, and requires you to wait 6 turns to match Nico’s earning. Although Refuge has a higher trash cost, you probably don’t want to install it naked, and you probably want to get your money ASAP.